vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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:
Subject : Formal Complaint Regarding Unlawful Reinsertion of Deleted Accounts by Dear CFPB Representative, I am writing to formally file a complaint against _____for repeatedly re-inserting previously deleted accounts on my credit report without proper notice or documentation, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

Over the past several months, I have noticed that accounts that were successfully deleted after investigation have been reinserted into my credit report without any written notification or explanation. The FCRA clearly requires credit reporting agencies to notify the consumer in writing within five ( 5 ) business days of any reinsertion, along with the source of the information that led to the reinsertion.

I have personally called ____ to request clarification about these reinsertions, but I did not receive any clear explanation. The representatives refused to assist me further or provide any documentation showing the reason or authorization for the reinsertion.

This repeated and unauthorized reinsertion of accounts is causing significant harm to my credit score, limiting my ability to secure credit, and damaging my financial standing.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am XXXX XXXX military and trying to sell my home to another XXXX XXXX service member. I have a XXXX XXXX XXXXXXXX XXXX M & T Bank and the buyer will be assuming my loan. 

I began the process on XXXX XXXX where I attempted to initiate the assumption process. I was told that I would be sent the initial paperwork in XXXX business days. I requested the paperwork be emailed but was told that was not permitted. When I phoned after XXXX total days ( XXXX business days ) I was told that the paperwork was ready to be mailed out but would not be sent out early as M & T Bank had XXXX business days to meet this requirement and that your policy was to take the maximum days regardless. When I did not receive the paperwork after XXXX business days a supervisor agreed to email me this " essential '' document. All it contained was basic information about my mortgage and a phone number to call to start the process. 

Our experiences with M & T Bank 's mortgage department have been consistent with this initial experience. I promptly completed all documents throughout the process and was met with prolonged delays with no communication. Attempts to follow-up with M & T have been met with statements from representatives that no details of the sale of the house can be discussed with me to protect the buyers privacy. However, the buyer also had difficulties getting any information from the bank as well. 

XXXX XXXX XXXX XXXX XXXX states that loan servicers have XXXX calendar days to complete underwriting once they receive a complete packet. This policy has been reiterated in various XXXX XXXXXXXX as well. In total, it has been XXXX days since I started the process. Despite poor communication about what was required for the packet, the buyer was able to submit all the required paperwork before XXXX - at least XXXX days. This is unacceptable. 

XXXX XXXX XXXX XXXX XXXX  states " the XXXX is authorized to impose sanctions against persons or entities who take actions which are detrimental to the XXXX XXXX XXXXXXXX XXXX XXXX '' It outlines reasons for sanctions including " significant deficiencies in performance '' and " ongoing disregard for XXXX requirements. '' These are all concerns I have raised to with various personnel from M & T which have been disregarded.

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 2025-10-16 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Rebuttal to Synchronys XX/XX/year> Response - CFPB Case # XXXX I am submitting this rebuttal because Synchronys response does not accurately address the core of my complaint : I relied on incorrect guidance from a Synchrony representative who explicitly stated that paying {$250.00} per month through autopay would prevent any interest from accruing. 

Synchronys letter states that no misinformation was found on my XX/XX/year> call. However, this statement conflicts with my own contemporaneous notes from that conversation and the fact that I immediately set up autopay for the amount their agent recommended. I request that Synchrony re-review the full call recording, not just internal notes. The absence of detailed call notes can not be used to deny accountability when a consumer followed the companys instructions in good faith. 

Additional clarifications : I was never told that a Deferred Interest/No Interest If Paid in Full promotion required a lump-sum payoff by XX/XX/year> to avoid back-dated interest. The representative confirmed the monthly {$250.00} autopay would cover whats needed to avoid interest. 

I received no direct written or email notice specifying that interest would be retroactively charged if the balance wasnt paid in full by that date. 

Synchronys own response concedes that interest was deferred, meaning I had no reason to expect an accrued charge since I was paying in full each month per their guidance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have a loan from Honda Financial Services on a purchase of a new vehicle XX/XX/year>. In the first few months I paid large sums of money to make advance payments on the loan so I would not worry about falling behind. I did not make any payments over the last few months since I believed I had paid over XXXX years worth of payments early. I spoke with a representative who advised that the payments did not boost the account because the way they were applied, and she would look to re-apply them in the manner I intended. She called me the next day and advised that her supervisor said that they could not be changed because they have an internal policy that they can not reapply payments made after XXXX months. I advised her that I would like to speak with the supervisor regarding this policy. She stated that the person was unavailable, and she would have them call me. After not hearing from the Supervisor, I called back and spoke with a somewhat rude agent who combatively told me that I could not speak with a supervisor and there was no one higher that I could speak with. He then hung up on me. 
Other than being extremely upset with this treatment I am looking for my account to be boosted because I am being incorrectly reported to the credit bureau as late. This has affected me for being turned down for a loan. 
I have had XXXX previous loans with this lender and have made advanced payments without a problem before. So before I start a lawsuit I figured I would make my complaint so someone higher than a customer service agent could address my issue. i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Someone stole my identity with experian and used it to open a bank account and get a debit card in my name. I tried multiple times to contact experian over the phone to get verified becuase the contact information they have associated with my identity is wrong. I was unsuccessful over the phone so I followed the instructions on their website to send a letter to them with proof of my identity. It has been almost XXXX days since the certified letter was signed for and no one from experian has reached out to me via phone, mail, or email to try and get my identity restored. How is XXXX of XXXX credit monitoring bureaus in the XXXX this bad at their job? I have had to hire an attorney to resolve the identity theft and they said this is a common issue with Experian specifically. Why isn't someone fixing this issue that is obviously a problem for many people? I don't want to attach my personal informaition to this file, but if its needed you can certainly reach out to me about my claim as I have all of it available.

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 2025-10-16 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
the debt owed is toward a membership fee to a XXXX XXXX XXXX XXXX gym. I have been attending this gym regularly for the past XXXX years using a second account i setup over a year ago on XX/XX/XXXX. upon setting up this account I was unaware I had a second account setup at this time that I allegedly had open but never used. As I was using the account I setup on XX/XX/XXXX XXXX continued to charge a monthly fee to the account I was never using, even though the charge was going to an old card I was no longer using, and the payments were not going through, XXXX continued to charge the account as I was using the second account and making regular monthly payments. Each time I entered XXXX i asked the employe if there were any payments due, giving them my full name and phone number. Each time I was told I am up to date and okay. I called XXXX on XX/XX/XXXX to ask about this unknown account, the employee was unable to fund the account under my name and had to search using the acount number. I was told a XXXX would reach out to me however this never happened. XXXX has sent my debt owed to a creditor without ever reaching out to me for payment first, my first time of hearing bassout this debt was when the debtor sent me mail on XX/XX/XXXX I have chosen to file a complaint instead of dealing with XXXX  any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not give this company permission to securitize this debt.

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 2025-10-16 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 reported item mischaracterizes my payment history and seems inaccurate. I respectfully ask that it be reviewed and removed.

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 2025-10-16 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
A dispute has arisen concerning the XX/XX/year> mortgage payment, which has been reported XXXX  days late. Documentation is enclosed demonstrating that mortgage payments for XXXX, XXXX, XXXX, and XXXX were made on time. No records indicate a delayed payment or an additional payment in XXXX. Removal of this negative entry from the credit report is requested prior to refinancing the property. A prompt review of this dispute is appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
XX/XX/year> I mailed off Proof of Identity ( Texas DL & Social security card ) copies. Identity Theft Report ( 2 police reports ) one from XXXXXXXX XXXX XXXX XXXX XXXXXXXX Police department. Identity Theft Affidavit ( notarized ). A Detailed Written Dispute Letter that Identifies each specific account and inquiry I am disputing, stating clearly that these items resulted from identity theft, Reference 15 U.S.C. 1681c-2 and request blocking of the items within 4 business days Included my contact information. The credit bureaus received copies of these documents collectively all together at once via USPS Priority Mail XX/XX/year> & XX/XX/year>. They had 4 business days as of XX/XX/year> to Block the fraudulent information from my file within 4 business days. Notify the furnishers that the information was blocked and provide me written confirmation to you that the information has been blocked which none of the credit bureaus have done. All of these documents were uploaded to the CFPB and sent to the credit bureaus electronically as well XX/XX/year>.

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