vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: PA

Complaint narrative:
I am writing to formally dispute the reporting of delinquent accounts associated with my name and Social Security XXXX [ XXXX ] on my credit report. I have conducted a thorough review of my credit history and noticed that certain accounts reported by your agency are inaccurate. Upon discovering these discrepancies, I took the appropriate steps to raise this issue with the credit bureaus. I submitted a dispute for these accounts, providing all necessary documentation to facilitate their investigation. Unfortunately, I was informed that the delinquent items were not removed from my credit report, despite evidence proving my position. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX I believe these inaccuracies to be a result of either clerical errors or identity, theft, In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I kindly ask that you review my records and the documents I have provided to rectify these errors.

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 2025-09-17 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: Exto Inc.
State: CA

Complaint narrative:
I have a credit card from XXXX XXXX credit card that my check is automatically deposited into. My card was charged with different transactions after it had been stolen from my car that was broken into. I put in a dispute, submitted evidence have received XXXX different decisions from them but none of them have been the return of the money from these transactions. I have submitted XXXX dispute forms the second one is the corrected dispute form. They have even verified with me the last transaction that I had made. The first determination they have sent me said me saying there was no error on their part. The second one said they determined that the trasactions were unauthorized and that I would receive a provisional credit within XXXX business days which it has been longer then that. The third said that they determined that there was no error and I wasn't going to receive any funds back and that was their final decision and that they are closing that support ticket and I have continued to send them messages and the last response I got was almost a week ago saying they were still investigating. I looked over their policy copied and pasted the parts of it that says they would do this in a timely manner in an outcome that is satisfactory to the customer. I have yet to receive any kind of response or any returned funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: WA

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 Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} 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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
close all this accounts before but still in my credit report I think its still opened in XXXX XXXX XXXX Current. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I took the loan out because I had a family emergency and was pretty desperate in getting to my sick relative. In my unclear haze and upset, I didn't do any research on the company, didn't really read any of the fine print, and certainly didn't know that the interest rate was as high as it was because it was displayed until after I got approved and signed the documents. This is when I learned that this was a tribal lender and the interest rate was well above California 's statutory cap and in full abuse of the usury laws. The loan was for {$500.00} with a finance charge of {$1900.00}, an interest rate at 779.97 %, and XXXX biweekly payments of {$150.00} totaling in {$2400.00}. Insane. I have other obligations. I just lost my husband and with him, income. I have other obligations and I can not do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Company Name and Address SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX Account Number : XXXX XXXX XXXX XXXX Total Interest Charged in XXXX {$840.00} Current XXXX 32.99 % I opened a credit card for paying my dental expenses on XXXX. I gave my bank account details and signed for autopay. The first payment was {$61.00} drawn on XXXXThe monthly payment set up to pay the full amount with in the promotional period. Since it was an autopay I didn't give much attention to the monthly payment and the account balances. Up to XX/XX/XXXX the payment was {$60.00} to XXXX per month range. I didn't make any changes in the auto payment amount. The credit card company reduced the monthly autopay amount to {$47.00} on XX/XX/XXXX and again they reduced the autopay to {$30.00}. I was not aware of this change in my monthly payment and I was really busy with my work and studies. Last week When I checked my statement I found that this credit card company charged {$840.00} this year to my account as deferred interest rate. This credit card payment was on autopay and I never made any default payment during this time. Initially I setup my payments to repay the full loan amount to pay in the promotional period of 18 Months. Monthly payment changed by the credit card company.

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 2025-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Management Services, Inc.
State: UT

Complaint narrative:
On XX/XX/year> American Management Services stalked me on XXXX and at XXXX called my " employer '' which they would have to have found on my XXXX page because that is the only place I would have it listed my " employer '' ( It's my husbands company that I have listed as my employer even though I do not work I am a stay at home mom. I have only listed his company for advertisement purposes ) They spoke with my husband and threatened to garnish wages. I do believe that contacting an employer about personal debt is way out of bounds and is a violation to my privacy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

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/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4700.00} 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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Unauthorized Accounts/ Identity Theft Claim Demand for Cease Collection and Third-Party Disclosure To Whom it May Concern : I am again writing to dispute the alleged debts you claim is associated with me. These debts are the result of identity theft and I have not authorized you to collect, disclose, or share my personal information with any third party.

Pursuant to my rights under 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), you are prohibited from communicating, sharing, or disclosing any information about this alleged debt to third parties without my direct consent or court authorization. I have not provided this consent. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to block the reporting of information that results from identity theft. 

I have requested via the CFPB that this debt be validated and requested a copy of my explicit consent to share this information to 3rd parties. Accordingly, I demand the following : Cease all collection activity on these accounts immediately. 


Remove and delete any unauthorized sharing of my personal or account information with third parties. 


Provide me with all documentation, contracts, or authorizations you claim demonstrate I agreed to or am responsible for this debt. 


If this debt has been reported to any consumer reporting agency, you must notify them to delete this tradeline immediately under FCRA 605B.

Please consider this letter formal notice that I dispute the validity of this account and will hold your company liable for any continued violations of my rights under the FDCPA and FCRA. 

If you continue to pursue this matter without adequate proof, I will have no choice but to escalate by pursuing civil remedies. 

I expect a written response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts being reported on my credit file. These accounts contain contradictory, obsolete, and materially misleading information, which has directly caused me to suffer an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 On XX/XX/year>, I received a formal Adverse Action Notice from XXXXXX/XX/XXXX citing a High level of Charge-offs as the reason for denial of my housing application. This denial was based in part on credit report information from your bureau, showing the serious harm caused by these inaccurate accounts : XX/XX/XXXXXX/XX/XXXXStatus : Collection/Charge-off, despite reporting as Paid / Dispute Resolved. 

XXXXXX/XX/XXXX Status : Collection/Charge-off, contradictory reporting across bureaus ( TransUnion/Experian = Paid, Equifax = Derogatory ). 

XX/XX/XXXX Status : Collection/Charge-off, showing {$0.00} balance yet reported as a loss/charge-off after being paid. 

XX/XX/XXXXStatus : Collection/Charge-off, showing {$0.00} balance yet coded as loss after payment/dispute resolution. 

XXXXXX/XX/XXXXStatus : Collection/Charge-off, despite being Settled for less than full balance with {$0.00} balance. 

Inconsistent reporting across bureaus ( TransUnion = Settled ; Equifax = Charge-off/Settlement ; Experian = missing ).

Metro 2 Compliance Issues : Paid/settled accounts must not continue to be coded as Collection/Charge-off. Reporting must be uniform and accurate across all CRAs.

FCRA 1681e ( b ) : Bureaus must ensure maximum possible accuracy. Contradictory Paid/Settled vs. Charge-off reporting is misleading.

FCRA 1681i : I am requesting reinvestigation. These accounts can not be verified as accurate due to internal contradictions. 

Demonstrable Harm : I have already been denied housing due to these inaccuracies, which constitutes actual harm. 


I demand the immediate deletion of the above XXXX accounts from my credit file across all three bureaus. Reporting them as Paid/Settled while simultaneously coding them as Charge-off is materially misleading and has directly harmed me. 

If you can not delete these accounts, please provide the detailed method of verification used, including full documentation from the furnishers, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Thank you for your prompt attention.

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 2025-09-17 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-17 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Debt validation letter and negative report on credit that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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