vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: VA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-06 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: WI

Complaint narrative:
Please analyze the materials attached ; these inquiries were received without consent and might be disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: PA

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress and experienced the embarrassment of not being able to get approved for anything in my name for something that I believe should not even be on my credit report. The debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon, and I did not sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They did not follow the proper 5- step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly they violated my rights and abused my privileges. I demand this account be taken off my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
On XXXX/2025 I filed a complaint with this Bureau. Complaint ID was XXXX. The reason why I filed is because Charles Schwab Bank XXXX ( hereinafter, CS ) unilaterality closed my accounts. After multiple requests, I could not get the Bank refund me the money I had in my account. CS responded to my complaint ( response is attached ) saying that I should physically go to a branch to verify my identity. 
On Friday, XX/XX/XXXX, 2025, at around 4:45 XX/XX/XXXX, I went to the branch located at XXXX XXXX XXXX, XXXX XXXX, in XXXX, FL. I was greeted by the receptionist, to whom I explained the situation, he asked me for my ID, I provided my Florida 's Driver License ( attached ), he took a copy of it for the bank records, and told me I would receive my money soon. I never heard back from the bank. 
Today, more than four months after I verified my identity as requested, and more than a year after the bank decided ( with no valid reason ) to unilaterality close my account, I still have not received the funds that I deposited. 
So here I am, again asking for the intervention of this Bureau, in order to get these thieves to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
I had applied for a home equity loan online with cross countries mortgage and. they had sent me a latter of denied from two creditor 's XXXX  and XXXX  fax about saying my credit score was two low and cross country mortgage had sent me a email about that XXXX and most of all cross country mortgage and the underwriter and the creditor 's is wrong for that for not letting me or helping me take out a home equity loan on my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am submitting this complaint due to several inaccuracies being reported in my credit report. The accounts mentioned in the attached file have been hurting my ability to obtain credit, that is why I was prompted to create a dispute on these accounts. I would like to highlight several violations of the Fair Credit Reporting Act ( FCRA ) that require prompt attention and resolution. These violations are detailed as follows : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I made a purchase in XX/XX/year> in the amount of {$50.00}. I never received a confirmation email from the merchant nor were the items ever shipped. I have no way to contact that merchant. I disputed the transaction in XX/XX/year> with XXXX. I never received a credit for the dispute nor the credit for interest occurring. I called XXXX customer service on XX/XX/year> to request action as to why this has not been refunded to the account. No action taken by XXXX. I called again on XX/XX/XXXX with the same result. A third phone call was made on XX/XX/year>. They had me respute the transaction without any action taken against by 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 monetary relief
Consumer complaint received 2025-11-06 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:
I am submitting a formal dispute for inaccurate or incomplete information on my Equifax credit report. The following accounts and inquiries are being disputed, and I request a thorough investigation into their accuracy. If any information can not be verified, I respectfully request that it be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : I am disputing the following charged-off accounts on my Equifax report XXXX XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1400.00} INQUIRIES : ( No entries provided for Equifax Inquiries in your details ) LATE PAYMENTS : I am disputing the following late payments on my Equifax report XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Take a moment to check this entryits late and likely contains an issue.

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 2025-11-06 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a dispute regarding the following account ( s ) on my Experian credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : [ List your charged off accounts here ] Inquiries : XXXX XXXX, XX/XX/24

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 2025-11-06 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: NM

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: MO

Complaint narrative:
I have informed total Visa several times that I have not had the physical card since at least XXXX of XXXX  also at the time I had paid off the account they say that I still owe {$22.00} and then continue to charge interest on that and then on top of that somehow started charging late fees for that it just doesn't make sense the charges that were made were probably fraudulent but why would they keep the account open for 6 months after the fact and just to charge me fees it's very corrupt I'm now going to be getting a police report about the credit card that's been missing for 6 months and submit that I'm asking a total Visa reverse all these charges and then late charges and other interest fees that were based upon is {$22.00} they say I still owed after I paid off the card otherwise I move forward with legal action and seeking representation now from XXXX Missouri XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am unable to log into my Experian account due to Experian not using 2FA. Someone tried to open a credit card in my name. The scammer was rejected, but they changed the password on my account, and my phone number was changed on the account. Experian will not enable me to authenticate that it is me any other way ( They have the correct address and email on file ). They have my email on file, which I still have access to ( XXXX ), but they will not help me get into my account to freeze or unfreeze my credit. This has become incredibly disruptive and dangerous for anyone who has already tried to open credit in my name.

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 2025-11-06 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
To Whom It May Concern : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am hereby providing formal written notice to immediately cease and desist all further communication with me regarding the collection of the above-referenced alleged debt. This request includes, but is not limited to, all written correspondence, telephone calls to my home, work, or cell phone, and any contact with my family members, friends, or employer. This letter is not an acknowledgment that I owe this money, nor is it a waiver of any of my rights under the FDCPA or any other applicable state or federal laws. The FDCPA specifies that once you receive this written notice, you may only contact me again for the following limited purposes : To inform me that your further collection efforts are terminated. To notify me that you or the creditor may invoke specified remedies which are ordinarily invoked by you or your company. To inform me that you intend to invoke a specified remedy. Any other future contact by you or your company will be considered a violation of the FDCPA, and I am prepared to pursue all available legal actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), and seeking statutory damages, court costs, and attorney 's fees. Your cooperation in this matter is appreciated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-06 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: NC

Complaint narrative:
I am writing to dispute the following accounts and inquiries on my credit report with Experian, as I believe they are inaccurate and do not reflect my true credit history. Below are the details of the disputed accounts, including charged-off accounts, inquiries, and late payments. 

Disputes for Charged-Off Accounts : Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$34000.00} Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$20000.00} Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Disputes for Inquiries : Account Name : XXXX XXXX XXXX Date Open : XX/XX/XXXX Disputes for Late Payments : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 

Account Number : 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 2025-11-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief