vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
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 2025-07-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> Fifth Third Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Hard Inquiry Request for Removal To Whom It May Concern, I am writing to formally dispute a hard inquiry listed on my credit report, which I did not authorize. Upon reviewing my credit file, I noticed an inquiry made by your company on XX/XX/year>, listed under Fifth Third Bank N. 
According to the Fair Credit Reporting Act ( FCRA ), a hard inquiry may only be made with my explicit written consent. I have no recollection of authorizing your company to access my credit file, and I have not applied for credit with your company or its affiliates. Therefore, this inquiry is unauthorized and a violation of my consumer rights under the FCRA.

I respectfully request that you immediately : 1. Remove the unauthorized inquiry from all three credit bureaus ( XXXX XXXX XXXX XXXX ) ; and 2. Provide written confirmation of this action. 
If this issue is not resolved immediately within 30 days, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
Thank you for your prompt attention to this matter. Please confirm in writing when the inquiry has been removed. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Summary : I am filing a new complaint against Synchrony Bank/CareCredit regarding deceptive billing, unresolved disputes, failure to provide documentation, and contradictory communications that violate the Fair Credit Reporting Act ( FCRA ).

Details : I have been disputing unauthorized Card Security charges that were added to my CareCredit account for years without my consent. In XX/XX/XXXX, Synchrony issued a partial refund of {$1000.00}, claiming the issue was resolved. However, a letter dated XX/XX/XXXX clearly states the matter remains under review for 60 days, and no payment is required. 

Then on XX/XX/XXXX, I received two conflicting letters : One claims my account is being accurately reported to credit bureaus.

The other states the current balance excludes disputed charges still under review.

These contradictions are unacceptable and violate FCRA ( 15 U.S. Code 1681s-2 ), which requires accurate credit reporting. The balance can not be considered accurate if it is not final.

Furthermore : Synchrony has manipulated the balance multiple times in the last 60 daysadding, removing, and reapplying charges with no explanation.

I have repeatedly requested a detailed, line-by-line breakdown of how these charges were calculated and adjusted. They have never provided one. 
The earliest statement they sent ( XX/XX/XXXX ) already reflects a previous balance, yet they have failed to send any billing statements from the accounts true beginning. 
They have removed and re-added this account to my credit report several times, causing large credit score fluctuations.

Despite confirming in writing that no payment is due, they continue sending automated reminders and listing the account as past due.

No reasonable person would pay this balance under these conditions. Synchrony expects payment on an account they themselves admit is under dispute, while refusing to show how the balance was calculated. Their behavior is confusing, manipulative, and potentially 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 monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I discovered XXXX collection accounts on my credit reportsPortfolio Recovery Associates ( {$460.00} ), XXXX XXXXXXXX XXXX XXXX ( {$210.00} ), and XXXXXXXX XXXX ( {$140.00} ) that I believe are inaccurate or unverifiable. On XX/XX/year>, I sent formal dispute letters under FCRA 611 to XXXX XXXX XXXX XXXX requesting ( 1 ) reinvestigation, ( 2 ) verification documentation ( account statements, chain-of-title records, and furnisher contact details ), and ( 3 ) deletion of any unverified items. More than 30 days have passed and none of the bureaus have provided the requested documentation or deleted the accounts. The three collection items remain on my reports, continuing to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
My loans is paid automatically each month by my credit union on the XXXX. Unfortunately, I receive so much email from Nissan that Ive become tone-deaf to their communications and missed the notice about a new account number. 
I did, however, receive XXXX automated calls requesting the last four digits of my Social Security numberwhich, for security reasons, I do not provide during incoming calls.

I called Nissan, on XX/XX/XXXX, only to discover that my XXXX payment had not been received and the account was now past due. I was also told that I had a new account number. I logged into the Nissan XXXX website and paid immediately. 
Shortly after I paid via the website, I noticed that {$740.00} had already been deducted from my credit union account on XX/XX/XXXX and sent to Nissan XXXX. I called the customer service line again and waited over an hour to speak with someone from the escalation team. I spoke with XXXX, who looked over my account and informed me that " the check is in the mail. '' That was 10 days ago. Its hard to believe that a company of this size considers this process acceptable. Ive contacted my credit union to initiate a dispute and I am currently out {$740.00}. Also I was made to feel like I had to pay or risk a late payment being reported which could affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
I looked over my report and I noticed several inconsistencies and unauthorized fraudulent accounts. Could you please delete these account immediately because theyre hurting my Bility to take credit and they were fraudulently open thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : 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 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One 360 Savings account in XXXX that are still open. I was under the impression that this was a high-yield savings account, and Capital One continued to advertise it as such for years. However, between XXXX and XXXX, Capital One launched a new product called XXXX Performance Savings, which offered significantly higher interest rates ( at times over 4.00 % APY ) while my existing 360 Savings account remained at around 0.30 % APY. 

Capital One never informed me that this new, higher-yield account existed, nor did they notify me that my existing account was earning a much lower rate. I did not receive any offers or guidance from the company suggesting that I should switch. I only learned about the discrepancy in XX/XX/XXXX through news coverage and online discussions. 

As a result, I lost out on years of interest income. Based on my average balances I estimate that I missed out on hundreds ( if not thousands ) of dollars in interest. Capital One 's actions were misleading and unfair they continued to present my account as a competitive savings product while giving new customers far better rates. 

I have since opened a 360 Performance Savings account, but only after discovering the issue myself. I believe this practice violated my rights as a consumer, and Im requesting full compensation for the lost interest, along with CFPB enforcement to ensure the company doesn't mislead other customers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
I am requesting that the credit reporting company and/or the data furnisher conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ) and remove any information that is inaccurate, outdated, or can not be fully verified.

Specifically, I am asking for the deletion of all accounts that are : Reporting incorrect balances, payment history, or statuses Not validated in response to my mailed disputes Associated with collection agencies that failed to provide legal proof of debt Additionally, because I was denied online access to file my dispute, I am requesting that my online account access be restored immediately so I can monitor my credit report and exercise my rights. 

I am in the process of applying for a mortgage, so I respectfully request urgent processing of this matter and written confirmation of all corrections or deletions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My wife and I applied for the XXXX program in XXXXXXXX XXXX XXXX. My wife is a XXXX % XXXX veteran with XXXX. I recently lost my job and applied for the program to help us catch up. Carrington Mortgage kept prolonging the approval for 2.9 % over 40 years for a year. We called 27 times to find out what the status was and they kept telling us that we needed proof of HOA and proof of income ( which we sent over the same day every time ). This continued for 9 months and when it got closer to the expiration of the XXXX program, they once again needed updated paperwork which was immediately sent to them with proof of email. Now the program was near its end. We received a envelope a few weeks later with an approval for a 40 year term and 7.125 % interest rate, which we previously had a VA rate at 5.35 % over 30 years. 
The payment was almost {$600.00} more a month and 10 years longer in term. I spoke with them numerous times and they could NOT answer my question on why we were not approved for the XXXX program. 
Carrington Mortgage just said that, " Its what the VA approved you for ''. This was not the case because they let the program expire and the day after the expiration of the XXXX program, they approved us for the higher rate and term. 
This company has been sued for the same actions and they are still writing mortgages. 
This is discrimination at its peak!! The company does not want to give the 2.9 % or term to a XXXX veteran or any other veterans which are in the thousands. This is wrong in so many ways, that a person who serves her country and has a life altering XXXX and gets treated like this from a mortgage servicer!! 
-We have documentation on the dates and times we called the company- We actually have the documents that were required for the approval that were sent 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks have been 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 explanation
Consumer complaint received 2025-07-01 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: TN

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 non-monetary relief
Consumer complaint received 2025-07-01 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: CBC Companies, Inc.
State: PA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief