vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-22 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I rented an RV from XXXX in XXXX XXXX XXXX ( XXXX XXXX XXXX Booking # XXXX ), paid with my Citi XXXX XXXX XXXX XXXX. The vehicle was defective and unsafe : by the second day, the tire pressure dropped to XXXX XXXX XXXX ( and even lower overnight ), requiring at least 12 refills per day in XXXX XXXX XXXX, where there was no cell signal and very limited access to air service. This created ongoing safety risks, forced repeated detours, disrupted our itinerary, and caused significant stress and illness. 

At pickup, XXXX staff instructed me to use specific phone numbers in the rental documents for support. On XX/XX/XXXX, when the tire problem first appeared, I called both numbers but no one answered. XXXX later claimed these were not their hotline, which is their internal failure, not mine. My drivers license was also withheld at pickup and not returned until drop-off, forcing me to drive without legal ID for 10 days causing extreme stress and potential legal risk. 

On XX/XX/XXXX, after the trip and once I was recovering from stress-related illness, I filed a claim with XXXX ( case # XXXX ) and submitted photos and details. Their responses were dismissive, minimized the safety risks, and completely neglected their duty to provide a safe vehicle to customers. They offered only XXXX or a XXXX voucher as final compensation for a rental that cost over {$2000.00}. Their intimidating XX/XX/XXXX email further shows refusal to take responsibility or provide fair compensation. 

I submitted a billing dispute with Citi and requested a 75 % refund, reflecting the severe impact on what should have been a worry-free family trip and the inadequate service received. Citi is currently reviewing, but I seek CFPB oversight to ensure fair treatment given XXXX refusal to resolve the matter reasonably and their intimidating conduct in writing.

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 2025-09-22 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: TX

Complaint narrative:
This is a formal request to correct and remove the inaccurately reported late payment from my credit file. My records prove that I have consistently met my payment obligations, making this negative entry erroneous. It must be rectified without delay.

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 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
This started last year XXXX. We mailed our normal monthly payment in. A letter alerted us that escrow of taxes was going up but we received it after our payment was due. Instead of receiving a notice that we were short funds, they sent the entire pmt to our principal balance with no notification or courtesy call asking if we even received the letter! Since we didnt know, we continued making our new payments but were accruing late fees and didnt understand why. We finally were forced to pay over {$150.00}. in fees to get our mortgage back in good standing. Fast forward to XX/XX/XXXX, I am now doing the bills, I pay our mortgages 2 weeks early. When I mailed our XXXX payment in, a letter stating our escrow went up again came which means they crossed in the mail. They did the same thing. Applied our monthly payment to principal, charging us a late fee and almost adding a 30 day late to our credit report! I called customer service and was told this is how they do business. I asked to speak to a supervisor, they sent me to another service rep. I demanded to speak with someone else and finally spoke to a supervisor who explained they are not waiving any fee since they waived one in XXXX. I refused to pay the fee but I did pay the amount we were short order to bring my payment status current. At that time little did I know they charged me ANOTHER LATE FEE because the amount I was short and the late fee I refused to pay made me late a second time. How is this ok?! So today I had to pay another late fee to bring my payment current. 
Mind you, we have another mortgage with them and this has NEVER happens. We are on top of our bills. This is fraud and I want these late fees back! I pay on time and will not be treated this way. NewRez has several lawsuits and should be penalized for their unethical practices!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-22 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: NJ

Complaint narrative:
Please remove these disputed items from the record within 15 days under 15 U.S. Code 1681g.

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 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Synchrony Bank lowered my credit amount, saying that I did not make my payments promptly, and I know that I did. I have not missed one payment, and I pay what they tell me to pay or more, so what is the problem? I have my payments on automatic draft. 
When they did this, it caused my credit score to plummet, and I don't think that is fair, and I want it fixed.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am disputing inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account [ Account Number ] is being reported inaccurately as [ describe the false info ]. Please investigate, correct, or delete this information as required by law. The company states they sent me a letter in the mail. I never received this letterof closure XX/XX/XXXX. On my credit report.it states it that they been closed my account and reported it on XX/XX/XXXX so those XXXX dates are not accurate and they are reporting false information on my credit report and closed my account ending in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: VT

Complaint narrative:
I am filing this complaint regarding XXXX  failure to safeguard my personal data and the continued inaccurate reporting of my student loan account to Experian and Equifax. 

My personal information was compromised in XXXX recent data breach. The exposed information included my full name, Social Security number, date of birth, home address, phone number, email address, and student loan account details. This breach has left me highly vulnerable to identity theft and fraud. Since the breach, XXXX has not taken sufficient steps to protect me or to ensure that the information furnished to credit bureaus is accurate and secure. 

In addition, the loan account reported by XXXX is inaccurate and/or unverifiable. I disputed this account with all three credit bureaus. TransUnion investigated and removed the XXXX account from my credit report, which demonstrates that the information could not be properly verified or was otherwise inaccurate. Despite this, Experian and Equifax continue to report the account, and XXXX has failed to correct the information. 

As a result of XXXX  breach and inaccurate reporting, I have suffered the following harms : Increased risk of identity theft due to compromised personal information. 

Out-of-pocket expenses for credit monitoring and identity theft protection. 

Emotional distress, anxiety, and loss of peace of mind from knowing my Social Security number and financial details are exposed. 

Potential financial harm from inaccurate credit reporting, including denial of credit, higher interest rates, and damage to my credit reputation. 

Requested resolution : That XXXX provide a full explanation of how my personal data was breached and what corrective actions are being taken. 

That XXXX provide free identity theft protection and credit monitoring services. 

That XXXX, Experian, and Equifax remove the inaccurate loan account or correct it with verifiable, accurate information. 

That XXXX provide supporting documentation verifying the accuracy of the information it furnishes. 

That the CFPB ensure XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and take steps to protect consumers from further harm.

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 2025-09-22 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: MOHELA
State: VT

Complaint narrative:
I am filing this complaint regarding MOHELAs failure to safeguard my personal data and the continued inaccurate reporting of my student loan account to XXXX  and XXXX. 

My personal information was compromised in MOHELAs recent data breach. The exposed information included my full name, Social Security number, date of birth, home address, phone number, email address, and student loan account details. This breach has left me highly vulnerable to identity theft and fraud. Since the breach, MOHELA has not taken sufficient steps to protect me or to ensure that the information furnished to credit bureaus is accurate and secure. 

In addition, the loan account reported by MOHELA is inaccurate and/or unverifiable. I disputed this account with all three credit bureaus. XXXX  investigated and removed the MOHELA account from my credit report, which demonstrates that the information could not be properly verified or was otherwise inaccurate. Despite this, XXXX  and XXXX  continue to report the account, and MOHELA has failed to correct the information. 

As a result of MOHELAs breach and inaccurate reporting, I have suffered the following harms : Increased risk of identity theft due to compromised personal information. 

Out-of-pocket expenses for credit monitoring and identity theft protection. 

Emotional distress, anxiety, and loss of peace of mind from knowing my Social Security number and financial details are exposed. 

Potential financial harm from inaccurate credit reporting, including denial of credit, higher interest rates, and damage to my credit reputation. 

Requested resolution : That MOHELA provide a full explanation of how my personal data was breached and what corrective actions are being taken. 

That MOHELA provide free identity theft protection and credit monitoring services. 

That MOHELA, XXXX, and XXXX  remove the inaccurate loan account or correct it with verifiable, accurate information. 

That MOHELA provide supporting documentation verifying the accuracy of the information it furnishes. 

That the CFPB ensure MOHELA and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and take steps to protect consumers from further harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: ME

Complaint narrative:
I started to get mail from a debt collector for an amount that was oddly similar to a different credit card company, and I believed it was a scam so I ignored it for months until I checked my credit report and saw a Discover Card listed that I had never opened. I mailed the usual request for debt verification as I assumed it was a mistake and they sent me papers showing when the account had been opened with my name and my old home address that I had grown up at. I immediately knew this an account that was illegally and fraudulently opened by a family member without my knowledge and disputed it as such, which they negated. I investigated my credit report further and found other fraudulent accounts, so I decided to go through the legal process of filing an official police report as well as filing a report through the FTC Identity Theft website.I was able to dispute this account on all three credit reporting agencies, but now the account is showing back up on each one. I have provided as much proof of this identity theft/fraud as I possibly can, and yet Discover continues to claim that this debt is mine because the card was opened online and has my social security number attached to it. I have no idea what more I can give to prove that I never opened or owned this card. I am curious if they have record of the name/address/bank account associated with payments made on this card? Because they will not be mine. This is a case of fraud, and they can not attempt to punish me for a crime that I am a victim of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I requested validation of debt and didnt receive it XX/XX/year>. There are several fcra laws that were violated. This information is extremely old. This is affecting my credit and mental state as a XXXX veteran. Im requesting this account to be deleted off all of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation