vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
On XX/XX/year> I pain {$2500.00} on my account that had a balance of {$3400.00} and Ive never had any letters or problems with my account never late and paid early XXXX XXXX  of time and always over min. Payment!!!! 
Im getting scammed by a credit card company because Ive paid down on my bill so interest is so much lower on my balance and they didnt like that! They used I got two payments returned as excuse! Look idk what they pulled but I never got no returned payment and when I paid these two payments they took over 2 weeks after I paid and it was posted to remove from bank account but payment was still never late ever! They also refunded me one of the two supposed returned payments because they knew they were wrong! So officially I only had one returned payment that still wasnt late and took XXXX weeks to withdraw from bank and thats after I paid it and they posted it to my account! They r trying to mess my account and credit score up by doing this BS! Its not right, fair, and completely a scam to mess my perfect payments and on time! They did it just a week after paying it down which is wrong! Once I got that I paid the whole account off days later! Its been now almost a month and dispute after dispute the company says on my credit report I owe {$1100.00} or so as balance and I have payment dates and also have my statement showing XXXX balance and its been XXXX for a month or more but they dont correct it because they r trying to damage my credit score!!!!! This is something they need to held accountable for! They need to fix it to zero balance and correct my closed account as I paid it and closed it not them for unfounded reasons just to make me look bad and my credit. Also someones trying to get credit cards loans etc using my credit report! Ive locked my credit account so no one can run it! And its been safe so far!

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 2025-09-27 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: KS

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: KS

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

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 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to formally dispute a {$100.00} debt that has been inaccurately reported on my credit file by XXXX. I am currently a XXXX customer in good standing and have been with the company for over three years. I do not lease or finance devices through XXXX and only pay for service. 
Despite my continued efforts to resolve this matter, the debt has remained on my credit report for nearly two years and continues to negatively impact my credit standing.

Background : I became aware of the {$100.00} collection entry on my credit report nearly two years ago. 
Upon discovering this, I contacted XXXX directly to clarify the issue. 
During that phone call, a XXXX representative informed me that there was no record of such a debt associated with my account, and that I was a customer in good standing. 
I have continued to maintain my account in good standing and pay all service charges. 
I have never financed or leased any equipment or devices through XXXX my charges have been strictly for service.

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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My auto loan and credit card is being sold to this company. 
I already paid my car loan because I got into a car crash. So my auto loan Truist sold it to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: VA

Complaint narrative:
I have paid off this account in full. I would like it removed from my credit within XX/XX/XXXX days.

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 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I have asked these collection agencies for charge-off-statement and the wet signature from the original payment agreement and the ledger the amount the collection agencies paid for the charge-off. I want to confirm that this is not fraud. They refused to provide any information. Due to my employer, I must pay all collection bills that show up on my credit report. I have been making payments since XX/XX/year> and this they will not provide any of the information I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: The Bureaus, Inc.
State: TX

Complaint narrative:
According to 15 USC XXXX I have the right to dispute inaccurate and unverifiable information that is on my credit report. My information was involved in a data breach with XXXX XXXX andXX/XX/XXXXand as a result, my information was compromised. 
Ive asked multiple times that this company provide me with proof that I opened this account and or delete it immediately. The company continues to report under different business names as well. 
The Bureaus * Account Number : XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX * Phone : ( XXXX ) XXXX * Date Opened : XX/XX/XXXX * Responsibility : Individual Account * Account Type : Open Account * Loan Type : Collection Agency/Attorney * Balance : {$3000.00} * Date Updated : XX/XX/XXXX * Last Payment Made : XX/XX/XXXX * High Balance : {$3000.00} * Original Creditor : XX/XX/XXXXXXXX on behalf of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I have a mortgage loan with SWBC that was disbursed on XX/XX/XXXX. For my home insurance, I signed up for a policy with XXXX. While I had requested a quote from XXXX during the loan process, I never authorized or signed up for a policy with them. 

On XX/XX/XXXX, I discovered a significant issue with my loan account. My original premium was paid to XXXX by SWBC in XX/XX/XXXX ( {$2100.00} ). However, after my escrow account was transferred to XXXX, SWBC failed to transfer my XXXX XXXX. Instead, XXXX had XXXX on my file for unclear reasons. XXXX paid an unauthorized premium to XXXX in both XX/XX/XXXX ( {$3300.00} ) and again in XX/XX/XXXX ( {$3600.00} ). 

I called XXXX, XXXX, XXXX and XXXX multiple times on XX/XX/XXXX. Upon my request, XXXX removed XXXX from my file and added XXXX. They paid XXXX, my second premium ( {$2200.00} ) on XX/XX/XXXX. 
I demanded XXXX to cancel their unauthorized policy and to refund the premium payments they received in both XX/XX/XXXX and XX/XX/XXXX. They acknowledged in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've attached all file and details to the documents below my wallet and son number has been stolen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: UPGRADE, INC.
State: TX

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information that is on my credit report. My personal information was involved in a data breach with TransUnion and Equifax and as a result, my information was compromised. Ive asked multiple times that this company provide me with proof that I opened these accounts and or delete it immediately. They have failed to provide me with proof of the ORIGINAL account with my signature. This company is reporting on my credit file under different business names as well ( The Bureaus ) I understand it is against the law to continue reporting inaccurate information on a persons record. The company and accounts are listed below. 

Upgrade Inc * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX North XXXX XXXX, XXXX Flr, XXXX, AZ XXXX * Phone : ( XXXX ) XXXX * Monthly Payment : {$0.00} * Date Opened : XX/XX/XXXX Upgrade Inc XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, AZ XXXX * Phone : ( XXXX ) XXXX * Date Opened : XX/XX/XXXX Also reporting as ( below ) The Bureaus * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX * Phone : ( XXXX ) XXXXXXXX XXXX  Date Opened : XX/XX/XXXX * Responsibility : Individual Account * Account Type : Open Account * Loan Type : Collection Agency/Attorney * Balance : {$3000.00} * Date Updated : XX/XX/XXXX * Last Payment Made : XX/XX/XXXX * High Balance : {$3000.00} * Original Creditor : Upgrade Inc. on behalf of XXXX  I will also be attaching the data breach letter that XXXX XXXX and XXXX  sent to me by mail providing proof that my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
I Discover that I am a victim of fraud. I urgently and sincerely request the immediate BLOCKING and complete removal of this fraudulent account. The fraudulent inquiries include : XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX inquired on XX/XX/year> ; XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX inquired on XX/XX/year> and XXXX XXXX  inquired on XX/XX/year> and the fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries and accounts are negatively impacting my credit profile and were not authorized by me. I am requesting that these fraudulent inquiries be BLOCKED immediately

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 2025-09-27 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: MO

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I mailed a written dispute to Experian regarding inaccurate information, including multiple unauthorized inquiries and several tradelines. Instead of investigating, Experian sent me a generic letter claiming the dispute did not appear to come from me. This is a stall letter and does not meet the requirements of FCRA 611 ( a ) ( 3 ), which mandates that a CRA must notify the consumer within 5 business days if a dispute is deemed frivolous, with specific reasons and instructions.

Experian failed to reinvestigate within the required 30 days ( 611 ( a ) ( 1 ) ( A ) ) and failed to provide results ( 611 ( a ) ( 6 ) ).

Items in dispute : Unauthorized inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX Card ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should reflect Paid/On Time ) Personal information : Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX duplicate ) What I want : Immediate deletion of all unverifiable items, including unauthorized inquiries. 

An updated credit report at no charge.

Notice of corrections to all parties who received my report in the last 6 months ( FCRA 611 ( d ) ).

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
Over the past month I have made several attempts to pay a balance of my student loans. Each time a payment is submitted, it takes several days to process, then say received. The account reflected the payment for another day or so before the payment being reversed with no notification, and it would be back-dated to the original payment date. The payment attempts were made the following days : XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX. This has been a time consuming process because it takes several days to discover the payment was reversed. After the first error, I called my bank and verified that the account had no holds or limits, and that there was never a withdraw attempt. However, with each payment reversal a document is provided that claims the bank was the one who reversed the payment. While it is frustrating I would understand if it was an issue with my bank, but I doubt this. Short of transferring funds to a different bank and trying again, I can only keep trying and submit complaints. It is also worth mentioning that the complaint submitted two weeks ago has yet to receive a response. Additionally, I have had no messages or warnings from my bank of fraudulent payments. The payments would have paid off two loans, totaling roughly half of what is owed. 

Feedback Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: DC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: DC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Ive sent a legal letter to this company thats I have never did business with an they did not send me an do not have my proper signature or documents of me doing business with them To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaust. the highly negative impact on mv personal credit report. Please be advised that this is not a refusal to Day. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say i owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time. will also inform you that if your offices nave resorted invalidated information to any of the 3 major Credit Bureau 's { XXXX XXXX XXXX XXXX ) this action might constitute fraud under both federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation