vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: MA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 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: ID

Complaint narrative:
Today, XX/XX/year> I rechecked my credit report and the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is now being reported as paid in full on XX/XX/year> and closed on XX/XX/year> but XXXX XXXX  in XXXX of XXXX. How could I be XXXX  days on a paid in fuill closed account? 

This has been and ongoing problem trying to get the reporting agencies to report accurately and correctly. I NOW DEMAND as per my rights under the FCRA that this account be deleted from my report for continually being inaccurately reported.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, I recently went to XXXX XXXX school with the XXXX this summer. During this time, I was on XXXX XXXX orders from XX/XX/XXXX through XX/XX/XXXX of XXXX. I was told at the boot camp about the benefits of the Military Lending Act and opened up American Express Gold and XXXX  Cards alongside many of my friends within the XXXX. Because I opened the cards on XX/XX/XXXX and XX/XX/XXXX, respectively, I should have had XXXX applied to both cards ; However, upon leaving XXXX Development School, I was charged with the heavy annual fees, while my peers were not, even though they are in the same exact position as me. I have been going back and forth with American Express, trying to get more information on why I am being denied my benefits. However, each time the person on the phone tells me they just send information to the people who check with the database to see if I am eligible, and that is it. They are not able to give anymore information on why I was denied and I am not able to communicate with those who do the checks. A representative also told me they were told to give as little information as possible about XXXX benefits. Additionally, I have gone to the military side and they told me that sometimes I am not put in the XXXX database correctly and that my Leavings and Earnings Statements as well as my Stamped XXXX XXXX Orders should be ample evidence to prove my XXXX XXXX status. I uploaded these documents on XX/XX/XXXX and XX/XX/XXXX and since have been rejected multiple times. I do not even know if they have looked at the documents as I am not able to communicate with the team that decides whether I am eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : $ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The listed accounts were not authorized by me. Please act according to USC 1681g and delete them from my record within 15 days. Documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
XX/XX/XXXX, I reach out twice to XXXX XXXXXXXX to lower interest to pay debt faster. I was told it would go into collections. XXXX went into collections the department still did not want to negotiate with me. XX/XX/XXXX a summon was filed I respond back with a validation letter. I called to third party asking for a validation letter. I tired settling debt for {$1500.00} collectors would take or provide me proof of total debt. XXXX XXXX interest making minimum was not helping lower. I am disputing a debt that was reported by because the amount they claim I owe is inaccurate and inflated due to excessive interest charges. 
However, the amount currently being reported far exceeds the original balance and includes what appears to be unreasonably high interest and/or fees that I never agreed to. I have not received a full itemized statement or proper documentation explaining how the total balance was calculated. I believe the charges being added are unfair, possibly unlawful, and do not reflect a legitimate debt under fair lending and collection practices. 

I respectfully request : A complete and itemized accounting of the debt. 

Removal or correction of any inaccurate reporting. 

An investigation into the validity of the interest rates and fees applied. 

This situation has negatively impacted my credit report, and I would appreciate assistance in resolving the matter fairly and accurately. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Hi XXXX XXXX Consumer Complaint Statement Synchrony Bank XXXX XXXX XXXX Closing my account and pursuing legal action makes no sense, given that I have been trying in good faith to resolve this matter. 

Despite repeated attempts, I have been unable to reach any responsible person at Synchrony Bank XXXX XXXX to discuss or rectify the discrepancies on this account. 

The only method they provided was a fax number, which is outdated and inadequate in this day and time. 

Without access to a dedicated fraud or customer service representative who can fully review and address the issue, I am left without a clear avenue to correct errors that Synchrony itself has created. 

I continue to request a proper resolution and full review of my account history. 

A fair resolution would be for Synchrony Bank to immediately cease all collection efforts and legal actions related to this incorrect account, issue a formal written acknowledgment that the account needs to be correct any negative credit reporting associated with it. 

I request confirmation that my original account status be without late fees or interest that violate payment structure. 

Please see below the fax information given is not acknowledge sent twice The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit card ISSUE Fees or interest

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 2025-08-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
I am a victim of identity theft and the Equifax data breach. XXXX XXXX XXXX XXXX XXXX accounts continue to appear on my credit report despite an FTC Identity Theft Report being filed and submitted to all three credit bureaus. These accounts were previously deleted but have been reinserted without notice or certification, violating FCRA 605B and 611 ( a ) ( 5 ) ( B ). 

Account : XXXX XXXX  Amount {$21000.00} ( TransUnion ) Account : XXXX XXXX  Amount {$21000.00} ( Equifax ) The bureaus and XXXX XXXX have failed to comply with : FCRA 605B, 609, 611, 623 Failure to block, reinsertion without certification, no source documentation, inaccurate furnishing, and failure to mark accounts as disputed. 

FCRA 607 ( a ) Duty of maximum accuracy, breached by Equifax after its 2017 data breach compromised my personal data.

FDCPA 807 ( 8 ) False communication of credit info.

Metro 2 Compliance Manual Dispute coding and accuracy standards not followed.

TILA ( 15 U.S.C. 1601 et seq. ) No lawful disclosure/consent for these accounts. 

FTC Act ( 15 U.S.C. 45 ) Equifaxs failure to safeguard my data is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Information was changed in XXXX of XXXX by XX/XX/year> old information was re-reported without discharge information causing a severe drop in score.

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 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Ive had a vehicle thats loan has been paid since XXXX and XXXX XXXX timeframe. Ive called multiple times about a lien release because I had it refinance with another bank. I did not notice the title wasnt send initially because in Virginia the state where I live in you do not receive your title until the vehicle is paid. 
First major interaction was XX/XX/XXXX where I was reassured that the lien release was being sent to me. I have all the employees number that were involved. 
I called again, XX/XX/XXXX and was informed that the lien release was going to be sent to my company. I refinance with so that they can send it to me. 
I called again today on XX/XX/XXXX and was informed that they cant process my release because the release was already released off the vehicle and that I should contact my local DMV. I contacted my DMV and was told Santander name of course was still on my title

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
In XX/XX/XXXX I signed for solar through XXXX XXXX XXXX, financed by GoodLeap. The contract included 12 months deferred payments. My system did not receive Permission to Operate from XXXX  XXXX until XX/XX/XXXX, XXXX 480 days later. Despite this, GoodLeap began billing me in XX/XX/XXXX, XXXX months before the system could generate power. XXXX eventually issued me a {$1800.00} concession, acknowledging the problem. 

The delay meant I lost nearly a year of deferred payments and was forced into loan billing without any functioning system. My GoodLeap loan balance is nearly {$50000.00} for equipment now worth closer to {$6000.00}. XXXX has since gone bankrupt, voiding promised workmanship and labor warranties. I have also had repeated electrical issues ( main breaker tripping ), raising doubts the system will perform reliably for 25 years. 

This financing is covered by the FTC Holder Rule. Because XXXX misrepresented the installation timeline, performance, and coverage, I am asserting those claims against GoodLeap as the lender. 

Requested resolution : Cancel or substantially reduce the loan, remove the lien from my home, and correct credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ 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 2025-08-26 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: GA

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Experian under the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my formal disputes submitted on XX/XX/year> and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without litigation, I am extending a settlement offer consisting of the complete deletion of all 2 inaccurate late payment entries across all three bureaus and payment of {$200.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory, up to {$2000.00} in punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I was in prison from May 2024-September 2024, my belongings were still at the apartment in XXXX, WA including my phone. When I was confined, XXXX XXXX ( roommate at the time ) got in my phone and was able to get into my Citizens Bank Account. XXXX XXXX was able to conduct transactions without my consent throughout the time I was in prison. She took all the money from the account. She was not answering my calls when I was in prison. Later on, she mailed my phone and wallet to my brother in which he accessed the accounts and found out there was nothing in it. Including checking account, XXXX debt, XXXX XXXXXXXX debt etc. Once released from prison on XX/XX/year>, I immediately reported it to the police and banks involved. I spoke to XXXX and XXXX XXXX and they were able to help me out with ease. However, with Citizens Bank, they are stating that I am the one liable. I would like to figure out what is the best avenue to get this taken care of. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation