vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My information was leaked due to a data breach. Im just now being able to take a look at my credit history and things arent as they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to inform you that a fraudulent account was opened under my name without my authorization. This account is not mine, and I am requesting that it be blocked and permanently deleted from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c2 ), I have the right to request the removal of information resulting from identity theft. I demand that this account blocked, and removed as required by 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 2025-05-20 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a confirmed victim of XXXX XXXX and am submitting this complaint under the protections granted by the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Reauthorization Act ( TVPRA ). 

Upon reviewing my ChexSystems consumer report, I discovered multiple hard inquiries that I did not initiate or authorize. These inquiries were made between XX/XX/XXXX and XX/XX/XXXX by institutions such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

These inquiries were not the result of any legitimate business application or transaction that I knowingly initiated. Due to the circumstances of my XXXX, my personal information was misused without my knowledge or consent. 

I am requesting that ChexSystems : Remove all unauthorized inquiries connected to the misuse of my personal information. 
Block any other negative or potentially damaging information resulting from my trafficking experience. 

I have uploaded a letter from a qualified victim service provider confirming my status as a trafficking victim, as required by the FCRA. 

Thank you for reviewing my complaint and ensuring my rights are protected under federal 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 2025-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts marked as inaccurate : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in 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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
My vehicle was repossessed by onemain financial. My loan amount was around XXXX, they SOLD MY VEHICLE for a measly {$600.00}. whereas if I were to sell it myself I could have sold it for a LOT more. This is not a " reasonable market value sale ''. I agreed to the repossession for a fair market sale and that is not what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I recently reviewed my credit report ; I was alarmed to find that I had become a victim of identity theft. I do not recognize this fraudulent account and respectfully ask for its removal from my credit report, as it adversely affects 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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
XX/XX/year>, I paid off my First Progress credit card in full and requested to close the account. I was told by a representative that my balance was cleared, and that I would receive my {$200.00} security deposit back. Since then, Ive received additional charges on the account, labeled as interest and late fees, even though the account was closed and paid off in full. I also was not informed by any means of communication that I had any late payments or interest fees owed. I only discovered this when I checked my credit score and it was negatively impacted by First Progress ' late fees and interest fees that I was not made aware of. 

Additionally, I have not received my {$200.00} security deposit refund, despite being told that it would be returned upon closure and full payment. 


When I contacted First Progress on XX/XX/year> to close my account, I made it very clear that I wanted to pay off the full balance and avoid any future charges. I was told that the account was fully paid and closed. However, I am now being charged additional fees, including late fees and interest, on what should have been a {$0.00} balance. 

These charges were not disclosed to me during the closure process, and I have not received a final statement confirming my account status. I have also followed up on multiple occasions and have been repeatedly put on hold or told conflicting information. 

I believe First Progress is engaging in deceptive or misleading practices by continuing to charge interest and fees after account closure, and by withholding my security deposit without justification.

When I called First Progress to address these issues, I was not only put on hold 6 times, but was also on the phone for 41 minutes. I was told by the original representatives supervisor " XXXX '' who refused to give me her last name, that the only thing they could do is to waive XXXX late fee leaving me still with a significant balance. 
I am requesting, as I did over the phone with First Progress, that they remove all interest and late fees that were added after the account was closed. 

Return my {$200.00} security deposit in full. 

Provide a written statement confirming my account was closed with a {$0.00} balance. 

I have spoken with multiple representatives by phone. I was told the account was paid off and closed, and that my deposit would be returned. Despite this, charges continue to appear, and I have not received my refund. 

Account Type : Credit card Company Name : First Progress Card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Demand for Immediate Removal of Inaccurate Personal Information Violation of FCRA [ Your Full Legal Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint to dispute inaccurate personal information being reported by the three major credit bureaus ( Equifax, Experian, and TransUnion ). This incorrect data violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ) and must be removed immediately.

Incorrect Personal Information Dispute : 1. Inaccurate Previous Address Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Address History : [ List your actual previous addresses, if applicable ] Supporting Evidence : [ Attach proof of residency, such as a utility bill or lease agreement, if available ] Legal Basis for Removal : Under FCRA 605 ( a ) ( 1 ), credit bureaus must not report inaccurate or obsolete information.

FCRA 611 ( a ) ( 1 ) ( A ) requires bureaus to conduct a reasonable investigation within 30 days of a dispute.

If the information can not be verified, it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 

Requested Resolution : Immediate deletion of the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from all three credit reports. 

Confirmation in writing that this information has been removed. 

An updated copy of my credit report reflecting these corrections. 

Warning : Failure to correct this inaccuracy within 30 days constitutes a willful violation of the FCRA, subject to penalties under 15 U.S.C. 1681n.

Sincerely

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 2025-05-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I have been threatened to have my wages garnished multiple times when I barely make over minimum wage and have a child to support. Communication has also not all been proper. The most important piece of information that I should have received didn't come to me. It was sent directly to my Home equity loan company ( XX/XX/year> ) and I am now at risk of losing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have called this company many times over the past XXXX months on a recorded line that they can review. Every customer service agent and supervisor gives me different answers on why my PMI has not been dropped off yet. At first they told me my appraisal was not fully processed even though others told me it was. Then they said they never received my payment for the appraisal even though it was cashed and their guy came to our house already. They told me they would email me the appraisal or mail and I have called multiple times because nothing has come in the mail or on email. When I called last week they told me they would have it for sure by this Monday. Today I called and they said its been done since XX/XX/XXXX. I have requested written verification of the appraisal not meeting the required XXXX XXXX XXXX. Today customer service told me it appraised at XXXX and my loan amount left is XXXX which is XXXX XXXX which I was told initially was the amount I need to get to to have PMI dropped off. Today they said I need to come up with an additional XXXX to get the PMI dropped. I asked to speak with supervisor after multiple transfers the supervisor told me that it is actually XXXX to get to XXXX XXXX which is their new requirement instead of XXXX XXXX since I have had the loan less than XXXX years. I have requested written documentation of all of this before I pay anything down and they still will not give me documentation that I need to pay down XXXX to XXXX XXXX, why my PMI drop off was denied, why it is now XXXX XXXX instead oXXXX XXXX XXXX, and documentation of this appraisal that I paid for through them. Of note the guy that came to my house from their company told me there should be no problem getting the XXXX down with all the upgrades. Im so frustrated working with this company as nobody seems to know whats going on and nobody can give me clear answers or documentation of what they want from me to get this PMI dropped off.

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 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I sent Procollect a request for a debt validation with XXXX items of request and they did not send none of information to me. I certified mail the debt validation letter to them and the certified card attached to the letter was returned unsigned so I know the letter was received by the company per the tracking that is attached to the letter.

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 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am being OVER ESCROWED very very much. I am attaching my real estate tax bill showing what my yearly real estate tax bills are. I would like to have a escrow analysis run, adjusted new mortgage payment and a refund of the over escrow that I have been charged. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX 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