vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
BUT CANT AFFROD ALL PAY TOO HIGH NOT EOUGH MONEY U CAN HELP ME PAY ME CHECK {$2600.00} NOT OKAY DONT WANT CREDIT SCORE LOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Care Credit increased the interest rate to 32.99 % without notification. The minimum payment keeps rising because of the unfair interest rate. A person can not pay off a balance when the minimum payment amount is {$480.00} and the interest charge is {$410.00}. The next minimum payment amount has been increased to {$570.00}. This is 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 2025-09-09 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all XXXX credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: FL

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 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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana, XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Assoc XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Cease and Desist Request Regarding Collection Account on My Credit Report Dear Portfolio Recovery Assoc , I am writing to formally dispute the debt referenced below and to request that you cease all further communication with me regarding this matter. This letter serves as my formal notice of dispute and request for a cease-and-desist under the Fair Debt Collection Practices Act ( FDCPA ), Section 805 ( c ). I ask that you stop contacting me regarding this account immediately and that you provide written confirmation of receipt of this request. 
Disputed Account Information : Collection Agency Account Number : XXXX Original Creditor : XXXX XXXX XXXX  XXXX. 


Amount in Dispute : {$1300.00} Date Opened or Reported : XXXX XXXX I dispute the validity of this debt and request that you provide proof of the debt, including a complete breakdown of the amount owed, a copy of the original signed agreement, and documentation proving that you have the legal right to collect this debt. 
Additionally, as permitted under the Fair Debt Collection Practices Act, I request that you cease all further communication with me unless you can provide the requested verification or intend to take legal action. 
Until this debt is verified, I also request that this collection account be removed from my credit report, as it is in dispute. If you continue reporting this account, it will be considered inaccurate and unverifiable. 
Please be advised that any further communication regarding this account, other than the requested verification, will be considered a violation of my rights under the FDCPA, and I will take appropriate legal action if necessary. 
I trust that you will handle this matter promptly and in accordance with applicable laws. I look forward to receiving the verification within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX XXXX ( XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: OH

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 Date : XX/XX/year> XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX  XXXX Date : XX/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 2025-09-09 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: MS

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I am filing a complaint against Equifax for unlawfully readding a previously deleted account back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. The accounts in question are : Creditor Name : XXXX XXXX ; Partial Account Number : XXXX, and XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>. These accounts were previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within five business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA 611 ( a ) ( 5 ) ( B ) moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX has repeatedly denied my loan applications without providing any required adverse action notice or explanation letter. 

Despite being financially qualified, every application I submitted has been denied. Under the Equal Credit Opportunity Act ( ECOA ) and Regulation B, creditors are required to provide a written explanation of the reasons for denial within 30 days of receiving a completed application. XXXX XXXX has failed to do so. 

The lack of explanation prevents me from understanding the reason for the denials, correcting any errors, or improving my application for future consideration. This creates the appearance of unfair lending practices and possible discrimination, especially since I meet the qualifications for the loans applied for. 

What I am requesting from CFPB : XXXX. Require XXXX XXXX to provide me with the adverse action notices for each denied application, stating the reasons for denial as required by law. 
XXXX. Investigate whether XXXX XXXX is in compliance with XXXX and Regulation B regarding fair lending and adverse action requirements. 
XXXX. Ensure corrective action is taken so that applicants receive proper disclosures and fair treatment in the lending process. 

I am requesting a full investigation into these practices to protect both myself and other consumers from ongoing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
Sunday XX/XX/XXXX around XXXX my checking account was drained and savings. I called chime my banking account and told them there was a bunch of suspicious activity allowed on my account between XXXX. They filed XXXX disputes and then denied them before it was XXXX hours of investigation. I called back and they said they have no proof so can not help. I asked them to look at all the transactions in a short time and that there seems to be a XXXX  it went on and an ATM transaction and they can't give me any information. I had over {$1000.00} stole from my account. On top of that the customer service didn't put me on hold and their were children in the background and also told me I don't need to cancel my card. Today XX/XX/XXXX I called back to complain about my dispute being denied and they said I should have canceled my card but I explained the XXXX people I talked to told me no I don't need too. They kept repeating every word I said and asked what I did with my money. I further explained that's why I have called and talked with XXXX plus people because i did nothing with my money and it was stolen. I can't get anywhere with them. And what has happened is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-09 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: FL

Complaint narrative:
I was XXXX during these times and my information was used without my consent to fraudulently acquire credit cards and loans. 

XXXX XXXX XXXX XXXX XXXX  XXXX Miscellaneous XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXXXXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing in response to your claim of servicing authority over the above-referenced mortgage loan. Please be advised that : 1. Violation of RESPA ( Pending QWR ) : XXXX XXXX transferred this loan to BSI while my Qualified Written Request ( QWR ) was still pending. Transferring during a pending QWR constitutes a violation of 12 U.S.C. 2605 and related RESPA provisions.

2. Failure to Provide Chain of Title : Despite repeated requests, neither XXXX nor BSI has provided the chain of title or security deed assignments proving lawful authority to collect or foreclose. The only document provided is the original note with XXXX XXXX, which is insufficient since XXXX has confirmed they no longer hold servicing rights.

3. Inactive XXXX Registration : At the time of transfer, XXXX XXXX  was listed as inactive on XXXX, and there are no public records in XXXX XXXX showing an assignment into XXXX, nor any valid assignment from XXXX to BSI.

4. Past Regulatory Violations : As you are aware, BSI Financial XXXX XXXX XXXX XXXX was subject to a XXXX  CFPB Consent Order and other regulatory enforcement for escrow and document management violations. Your current failure to provide the requested documentation is consistent with those patterns of misconduct.

Company response to consumer: Closed with explanation