vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: IL

Complaint narrative:
I submitted a formal dispute and a request for blocking under the Fair Credit Reporting Act ( FCRA ), citing Section 605B, which requires consumer reporting agencies to block information resulting from identity theft within 4 business days after receiving proper documentation. Despite providing all required documentation ( including police report/FTC affidavit , ID, and dispute letter ), Equifax has failed to comply.

They did not block or remove the fraudulent accounts and instead verified and reinserted information without a proper investigation, violating FCRA 605B and 611. This failure to act within the legal timeframe and provide proper notice of reinsertion is unlawful. 

I have exhausted direct communication with Equifax and am now submitting this complaint as a final effort before taking legal action. I am preparing legal action due to these violations and am submitting this CFPB complaint as a good-faith attempt at resolution prior to filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: January Technologies, Inc
State: TN

Complaint narrative:
In XX/XX/year>, I was first contacted by January, a debt collection agency, seeking payment of approximately {$1700.00}. On XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) by sending a Cease and Desist letter. On XX/XX/year>, I also sent a Debt Validation letter under 15 U.S.C. 1692g ( b ) formally requesting : The original signed agreement or contract, An itemized breakdown of the alleged amount, The name and address of the original creditor, The complete chain of custody documenting ownership of the debt, and Proof of their authorization to collect debts in my state. 

To date, January has not provided any of the requested documentation or information, yet continues to attempt collection. This failure violates my rights under the FDCPA 1692g ( b ) and 1692c ( c ). If they are also reporting this debt to credit bureaus without proper validation, it may further violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I was a named resident on a lease that ended in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX After I moved out, I received a Final Account Statement via emaildemanding XXXX XXXXand an unsigned Promise to Pay form. I was instructed to sign and return the agreement by XXXXXXXX XXXX the next morning or the account would be sent to collections. No itemized charges were disclosed in advance, no negotiation was offered, and no chance to ask questions before the deadline. This felt coercive and deeply inappropriate.

I never signed the form. Despite that, the unsigned agreement has been treated as if it were binding. To this day, XXXX XXXX XXXX continues to treat this unexecuted document as valid and collectible. In my view, this is deceptive and predatory. 

The charges themselves were excessive, unclear, and retaliatory. I believe they were manufactured in bad faith after my decision to leave and speak up about previous mistreatment. Even though the form was never executed by either party, XXXX XXXX XXXX has since escalated the matterattempting to intimidate me and a co-tenant through debt collection threats and ongoing legal pressure.

I am requesting CFPB intervention because I am being pursued for a balance based on a form I never agreed to, under conditions that felt like harassment. I believe XXXX XXXX actions violate consumer protections against deceptive and coercive debt practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: IL

Complaint narrative:
I submitted a formal dispute and a request for blocking under the Fair Credit Reporting Act ( FCRA ), citing Section 605B, which requires consumer reporting agencies to block information resulting from identity theft within 4 business days after receiving proper documentation. Despite providing all required documentation ( including police report/FTC affidavit , ID, and dispute letter ), Equifax has failed to comply.

They did not block or remove the fraudulent accounts and instead verified and reinserted information without a proper investigation, violating FCRA 605B and 611. This failure to act within the legal timeframe and provide proper notice of reinsertion is unlawful. 

I have exhausted direct communication with Equifax and am now submitting this complaint as a final effort before taking legal action. I am preparing legal action due to these violations and am submitting this CFPB complaint as a good-faith attempt at resolution prior to filing suit.

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 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: GMS Holdings, Inc.
State: FL

Complaint narrative:
Received 3 payment reminders 3 days in a row via text and email in XXXX ( XXXX, XXXX, XXXX ) 2024 from sun financial I disputed the account deemed as bad debt on credit report between XXXX  2024-XXXX  2024 The dispute came back as accurate account and updated the balance to show an increased amount in the balance XXXX XXXXXXXX Went to Sun financial XXXX XXXX2024 to retrieve purchase contract Sun Financial says to me in person that the dealership cancelled the deal and there was never a loan I requested the purchase agreement in which they said no paperwork existed to give me I told the manager at Sun Financial in person that by law they are my creditor and requested whatever documentation they submitted to report this as bad debt needed to be given to me as it was the law Detective confirmed insurance and loan documents stating a loan never existed XXXX  shows Sun financial reported loan on credit XX/XX/XXXX. 2024 Set an appointment with dmv after purchase Received registration from the dealership with wrong address. ( XXXX ) Went to dmv for appt they would not accept the incorrect registration address so could not get drivers license Asked XXXX to fix address to what was reflected on the contract ; they refused Dealership said insurance was not active XXXX XXXX XXXX, Police report, and declarations page of policy confirming active insurance Police report confirming wrong address on registration and car deemed as repo Police report confirming fraud/identity theft by Sun Financial

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  has violated my rights.

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

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 2025-06-28 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: FC HoldCo LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Unauthorized or Inaccurate Credit Inquiries Reported by XXXX Dear CFPB, I am filing this formal complaint regarding multiple unauthorized and/or unverifiable hard inquiries appearing on my XXXX credit report dated XX/XX/XXXX. These inquiries were not initiated or expressly authorized by me, and they are negatively affecting my credit score. 

The following inquiries appear on my report without proper justification or permissible purpose under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA 1681b ( a ), a consumer reporting agency may only furnish a credit report under limited and specific circumstances. I did not authorize these inquiries in writing, nor did I initiate any applications for credit or services with these entities around the stated dates. As such, these entries may represent violations of my consumer rights, including : Lack of permissible purpose ( FCRA 1681b ) Failure of XXXX to properly verify or investigate ( FCRA 1681i ) Inaccurate reporting resulting in harm to my credit profile ( FCRA 1681e ( b ) ) I have already contacted XXXX and requested the permanent removal of these inquiries. I am now requesting that the CFPB investigate these potentially unlawful entries and hold both XXXX  and the named companies accountable for any violations of federal consumer protection laws. 

Please confirm receipt of this complaint and inform me of any updates or actions taken. 

Sincerely, 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 2025-06-28 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: IL

Complaint narrative:
CFPB Complaint Against TransUnion I am filing a formal complaint against TransUnion for failing to remove a fraudulent Department of Education ( XXXX  ) student loan tradeline from my credit report despite my providing evidence of identity theft. TransUnion is reporting this tradeline without proper verification, violating the Fair Credit Reporting Act ( FCRA ), CFPB regulations, and FTC guidelines.

Background I am a victim of identity theft. An unknown individual incurred a student loan debt under my identity, which is now reported by XXXX and appearing on my TransUnion credit report. I have never authorized, applied for, or consented to any student loans with XXXX  or the Department of Education. I have filed an FTC Identity Theft Report, and provided these documents with a written statement to TransUnion, requesting removal under FCRA 605B ( 15 USC 1681c-2 ). TransUnion has failed to remove this tradeline, in violation of my rights under the FCRA.

Legal Violations FCRA 605B Identity Theft Blocking ( 15 USC 1681c-2 ) : Requires removal within 4 business days of receiving identity theft documentation.

FCRA 611 Dispute Resolution and Deletion ( 15 USC 1681i ) : Requires a reasonable reinvestigation and deletion of unverifiable or inaccurate information.

FCRA 607 ( b ) Maximum Possible Accuracy ( 15 USC 1681e ( b ) ) : Requires CRAs to maintain accurate information and remove unverified or inaccurate entries.

CFPB and FTC Guidance : Mandates prompt removal of fraudulent information upon submission of an identity theft report.

Harms Suffered Due to TransUnion 's failure to remove this fraudulent XXXX account, I have been denied housing, bank accounts, and bank loans. This has severely damaged my financial reputation and caused significant emotional distress, time loss, and financial 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 2025-06-28 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
There are XXXX accounts from Synchrony Bank. They were both supposed to be paid by the insurance company I took out with them. They were supposed to pay if t got a medical problem. I did have a medical problem and they did not pay once I made the claim. Although they didnt pay the accounts as they shouldve, I agree to pay {$25.00} a month on one and {$60.00} on the other, accounts # XXXX XXXX  {$3300.00} and XXXX XXXX XXXX1900.00}. Although I told Synchrony Bank that my card was blocked for fraudulent reasons, they charged off the account and sold it to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX, Phone # XXXX. This was done without any notices sent, not any tax documents which is supposed to be sent 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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I tried to sign into my XXXX account and was unable to because I can not receive a code to the device listed as I dont have that number anymore. I call XXXX and they say they will give me a call back. I get a call back from someone saying they are XXXX  and asks me to send a picture of my id to him as well as a picture of me holding my id, I refuse to do so as I do not know the person on the phone and I do not want to provide things like my government name and address to just anyone. I tell them if they ask me to send a picture through the app I would have no problem as I know where Im sending the picture and not to just anyone random number. Couple hour laters now Im getting an error code when I try to sign in and then when I call them they say the name listed on the account does not match my name. So at this point I dont know if Im trying to be scammed or what but the fact that there is money in my account that I can not get access to is a problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A company XXXX did not uphold to their terms and conditions and charge me a fluctuating rate for rental cars for extending days although this was in their policy. Instead they charged me a flat rate for more than XXXX XXXX with no justification as to why.

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IN

Complaint narrative:
I opened a credit card with discover IN XXXX .. XX/XX/XXXX is when I sent the XXXX $ deposit for the card I have the transaction.Since then I havent received a card I called multiple times for replacements.. same results. Eventually I told them forget the card just send me my deposit backThey told me they sent it and I would receive it in 10 business days but just like the credit card it was never received ( we also tried to directly transfer the money to my back account they said they could they said It would receive it in 7 business day .. never received and this was early XXXX i requested the direct refund ) every time Ive called them to tell them I haven't received the card/check they said I shouldve received they tell me oh were missing XXXX XXXXXXXX XXXX XXXX in you address thats probably why you havent received it.but every time theyve said that we corrected it added the missing letters and details to the address.. same result I called multiple they give the same excusesI just want my money back its unfair for a company so big and established to be so unprofessional and weird like this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I would like to reopen " XXXX '' I have sent multiple response to Citibank including the one now, and they do not seem to give the right answer why they gave me incorrect information which led to me coming to a conclusion that the statement shared with me was incorrect.

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 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am reporting a fraudulent or inaccurate collection account currently affecting my credit report. 
When I was a minor, I lived with my mother in a rental property where the lease was solely in her name. I was not a co-signer, had no financial agreement, and made no rent contributions. I was under XXXX when the lease was signed and thus not legally capable of entering into a binding contract. 
Despite this, a collection account related to that lease has been reported on my credit. I have filed multiple disputes and spent over {$300.00} on credit repair services, but the item remains. 
Whats even more concerning is that the same debt has also been reported on my mothers credit report, even though it is being treated as if we are both individually liable. This appears to be a duplicate collection, which is misleading and possibly unlawful. 
Under : FCRA 1681c ( a ) : Inaccurate or unverifiable items must not be reported.

FCRA 1681i : Consumers have the right to dispute and require reinvestigation within 30 days.

FCRA 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure accuracy.

FDCPA 1692e : Debt collectors may not use false, deceptive, or misleading representations, including misrepresenting a debt or assigning it to someone not legally responsible. 
I am not legally obligated for this debt, and the collection is misreported and misleading. I request this item be removed from my credit report immediately, and that an official investigation be opened into its legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
RE : METHOD OF VERIFICATION REQUEST Disputed Account : XXXX XXXX XXXX Amount : {$930.00}, XXXX XXXX Amount {$860.00} To Whom It May Concern : Since XX/XX/year>, and several times, I have formally disputed the accuracy of information concerning the above-referenced account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you were required to conduct a reasonable reinvestigation of my dispute and delete or correct any inaccurate, incomplete, or unverifiable information within XXXX XXXX  as per federal law.

You subsequently reported that the account was verified as accurate. I am now exercising my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to demand that you disclose : 1 ) What method did you use to verify this information? 
2 ) The name, address, and phone number of the furnisher of the information with whom you verified the account.

3 ) Your continued reporting of this unsubstantiated and inaccurate debt constitutes willful noncompliance with federal law, causing harm to my creditworthiness, emotional distress, and financial damages, including but not limited to the denial of credit opportunities.

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 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/year> I filed a Chapter 13 Bankruptcy as a result of which the Federal Court has placed a STAY on all collection activities against my property. 
I promptly informed Shellpoint Mortgage Servicing in writing and by speaking with the customer service to take a notice and withdraw my property from the upcoming foreclosure action scheduled on XX/XX/year> Yet I have not heard whether Shellpoint Mortgage Servicing pulled my property from the upcoming foreclosure list. By defying the Federal Court Order, Shellpoint Mortgage Servicing grossly violates the law in United States and infringing on my rights as a citizen.

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