vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Issue : XXXXXXXX XXXX XXXX improperly reported and handled my account ( ending XXXX ) during the XXXX emergency period and subsequent settlement. In early XXXX, I explicitly communicated XXXX related financial hardship to XXXX via phone, requesting hardship assistance and accommodations. 

Despite this notification and CARES Act protections, XXXX unjustly reported further delinquencies and charged off the account in XX/XX/year>. Subsequently, I verbally negotiated and timely paid an agreed-upon settlement amount, yet XXXX failed entirely to provide written documentation of the original settlement offer, terms, or receipt of my payment. After a prolonged delay and repeated requests ( nearly one year ), XXXX only provided partial documentation that the account was satisfied but never the actual settlement offer or agreement terms. 

Violation : XXXX violated CARES Act 4021 ( FCRA 623 ( a ) ( 1 ) ( F ) ) by negatively reporting the account after my communicated hardship. 

XXXX violated CFPA 1031, 1036 [ 12 U.S.C. 5531, 5536 ] through unfair and deceptive practices by failing to timely deliver written settlement documentation, receipts, and original settlement terms. 

Resolution Requested : Require XXXX to correct my credit report to reflect the settled account status accurately with a {$0.00} balance effective from the date of payment. 

Require XXXX to provide complete written documentation detailing the original settlement offer, settlement agreement, and payment receipt. 

Investigate and address XXXX violations of the CARES Act and CFPA provisions.

Thank you for your prompt attention to this important 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Issue : XXXXXXXX XXXX XXXX improperly reported and handled my account ( ending XXXX ) during the XXXX emergency period and subsequent settlement. In early XXXX  I explicitly communicated XXXX related financial hardship to XXXX via phone, requesting hardship assistance and accommodations.

Despite this notification and CARES Act protections, XXXX unjustly reported further delinquencies and charged off the account in XX/XX/year>. Subsequently, I verbally negotiated and timely paid an agreed-upon settlement amount, yet XXXX failed entirely to provide written documentation of the original settlement offer, terms, or receipt of my payment. After a prolonged delay and repeated requests ( nearly one year ), XXXX only provided partial documentation that the account was satisfied but never the actual settlement offer or agreement terms. 

Violation : XXXX violated CARES Act 4021 ( FCRA 623 ( a ) ( 1 ) ( F ) ) by negatively reporting the account after my communicated hardship. 

XXXX violated CFPA 1031, 1036 [ 12 U.S.C. 5531, 5536 ] through unfair and deceptive practices by failing to timely deliver written settlement documentation, receipts, and original settlement terms. 

Resolution Requested : Require XXXX to correct my credit report to reflect the settled account status accurately with a {$0.00} balance effective from the date of payment. 

Require XXXX to provide complete written documentation detailing the original settlement offer, settlement agreement, and payment receipt. 

Investigate and address XXXX violations of the CARES Act and CFPA provisions.

Thank you for your prompt attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Issue : XXXXXXXX XXXX XXXX improperly reported and handled my account ( ending XXXX ) during the XXXX emergency period and subsequent settlement. In early XXXX I explicitly communicated XXXX related financial hardship to XXXX via phone, requesting hardship assistance and accommodations. 

Despite this notification and CARES Act protections, XXXX unjustly reported further delinquencies and charged off the account in XX/XX/year>. Subsequently, I verbally negotiated and timely paid an agreed-upon settlement amount, yet XXXX failed entirely to provide written documentation of the original settlement offer, terms, or receipt of my payment. After a prolonged delay and repeated requests ( nearly one year ), XXXX only provided partial documentation that the account was satisfied but never the actual settlement offer or agreement terms. 

Violation : XXXX violated CARES Act 4021 ( FCRA 623 ( a ) ( 1 ) ( F ) ) by negatively reporting the account after my communicated hardship. 

XXXX violated CFPA 1031, 1036 [ 12 U.S.C. 5531, 5536 ] through unfair and deceptive practices by failing to timely deliver written settlement documentation, receipts, and original settlement terms. 

Resolution Requested : Require XXXX to correct my credit report to reflect the settled account status accurately with a {$0.00} balance effective from the date of payment. 

Require XXXX to provide complete written documentation detailing the original settlement offer, settlement agreement, and payment receipt. 

Investigate and address XXXX violations of the CARES Act and CFPA provisions.

Thank you for your prompt attention to this important 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a complaint against Experian for failure to properly investigate and resolve a disputed collection account, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

I previously disputed a collection account reported by XXXX XXXX XXXX for XXXX XXXX, which appears on my Experian credit report. I made it clear in my dispute that : I had issued a cease and desist letter to the collection agency was never notified about this XXXXXXXX XXXX debt. It was only mentioned by XXXX XXXX XXXX in a vague response to my original dispute concerning a XXXX XXXX account, after I had already sent them a cease and desist letter. 
I had never received proper debt validation I specifically requested an itemized breakdown, photos, and receipts to explain the inflated charges The account is being inaccurately reported with a 1-month term, which is misleading and not reflective of the true nature of the alleged debt Instead of properly investigating these concerns, Experian merely updated the account and continues to report it without providing any verification or explanation. This is not a resolution. It is a violation of FCRA requirements for a good-faith investigation into disputed information. 

I am requesting the CFPB to take action against Experian for : Failing to investigate my dispute in accordance with federal law Continuing to report inaccurate and unvalidated information Providing false and dismissive responses claiming the account meets FCRA requirements without evidence This account is unverified, misreported, and legally disputed. I am asking for this complaint to be treated seriously and for enforcement action to be taken if Experian refuses to comply with the law. 
They have never issued a validation notice under FDCPA 1692g, nor have they provided any documentation, despite my specific requests for : A full itemized breakdown of the alleged balance Photos and receipts to justify the inflated charge of {$6500.00} Any signed agreement proving my liability Despite these legal violations, Experian continues to report this account and claims it meets the requirements of the FCRA. Let me be very clear it does not. Reporting an account that has never been validated, never disclosed to the consumer, and contains false or deceptive information is a violation of the FCRA 1681s-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Experian reporting negative accounts and my credit report.i ask experian for the information they verify and the source they get verification from, this is no joke for experian reporting negative to my credit report and cant show how they verify it because I see XXXX XXXXant verify these accounts and removed them of my credit report under the fare credit ACT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX To : TransUnion, Equifax, or Experian Subject : Identity Theft Request for Block of Fraudulent Information Under 15 U.S.C. 1681c2 Dear [ Credit Bureau Name ], I am writing to formally notify you that I have been the victim of identity theft. My personal identifying information was exposed in a data breach, and I believe it has been used to open or misuse accounts that I did not authorize. Under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that all information identified below be blocked and removed from my credit file.

My Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Current Address : XXXX XXXX  XXXX XXXX, XXXX XXXX NC XXXX Fraudulent Accounts and Items to Be Blocked : Closed Accounts : XXXX Reported : XX/XX/XXXX {$420.00XXXX XXXX XXXX Reported : XX/XX/XXXX {$1000.00} XXXX XXXX Reported : XX/XX/XXXX {$720.00} XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$870.00} XXXX XXXX  Multiple entries from XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$0.00} Collections : XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$2800.00} XXXX XXXX Multiple entries from XX/XX/XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} Inquiries : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Enclosed Documents : 1. Government-issued photo ID ( Drivers license or state ID ) 2. Proof of address ( utility bill, lease agreement, etc. ) 3. Copy of a police report or identity theft affidavit 4. Signed written statement ( below ) Written Statement : I declare under penalty of perjury that the above accounts and inquiries were made or opened without my knowledge or authorization and are the result of identity theft. I request that the listed fraudulent items be blocked and removed from my credit file in accordance with 15 U.S.C. 1681c2 and other applicable provisions of the Fair Credit Reporting Act ( FCRA ).

I request that you send me a written confirmation once these items have been removed. If further documentation is required, please notify me in writing.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX To : TransUnion, Equifax, or Experian Subject : Identity Theft Request for Block of Fraudulent Information Under 15 U.S.C. 1681c2 Dear [ Credit Bureau Name ], I am writing to formally notify you that I have been the victim of identity theft. My personal identifying information was exposed in a data breach, and I believe it has been used to open or misuse accounts that I did not authorize. Under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that all information identified below be blocked and removed from my credit file.

My Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Current Address : XXXX XXXX  XXXX XXXX, XXXX XXXX NC XXXX Fraudulent Accounts and Items to Be Blocked : Closed Accounts : XXXX Reported : XX/XX/XXXX {$420.00XXXX XXXX XXXX Reported : XX/XX/XXXX {$1000.00} XXXX XXXX Reported : XX/XX/XXXX {$720.00} XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$870.00} XXXX XXXX  Multiple entries from XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$0.00} Collections : XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$2800.00} XXXX XXXX Multiple entries from XX/XX/XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} Inquiries : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Enclosed Documents : 1. Government-issued photo ID ( Drivers license or state ID ) 2. Proof of address ( utility bill, lease agreement, etc. ) 3. Copy of a police report or identity theft affidavit 4. Signed written statement ( below ) Written Statement : I declare under penalty of perjury that the above accounts and inquiries were made or opened without my knowledge or authorization and are the result of identity theft. I request that the listed fraudulent items be blocked and removed from my credit file in accordance with 15 U.S.C. 1681c2 and other applicable provisions of the Fair Credit Reporting Act ( FCRA ).

I request that you send me a written confirmation once these items have been removed. If further documentation is required, please notify me in writing.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had a car insurance policy with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I paid in full. Before my policy ended, I secured replacement coverage with XXXX XXXX starting XX/XX/XXXX, also paid in full, ensuring continuous coverage with no gap. 
After my XXXX policy ended on XX/XX/XXXX, I received a collection letter from Credit Collection Service demanding {$140.00} for an alleged unpaid debt. When I contacted CCS, they claimed XXXX reported an outstanding balance. 
I then contacted XXXX directly and was told they had automatically extended my coverage from XX/XX/XXXX to XX/XX/XXXX without my consent, knowledge, or request. They claimed this extension was because I hadn't informed them whether I would renew, and they charged {$140.00} for this unauthorized coverage period. 
I explicitly told both companies that : 1. I never requested any coverage extension 2. I had already secured replacement insurance effective the same day my policy ended 3. If I don't pay for insurance, that clearly indicates I don't want the service 4. They had no legal right to provide unwanted coverage and then charge for it Both companies refused to remove the charge. XXXX insisted I owe the money for coverage I never authorized, and CCS continues collection efforts on this invalid debt. 

Key issues : XXXX. XXXX automatically extended coverage beyond the policy end date without consumer consent 2. They charged for unauthorized services I never requested 3. Collection agency is pursuing payment for an invalid debt 4. No authorization was given for any coverage extension 5. I maintained continuous coverage through a different insurer Resolution sought : 1. Removal of invalid debt from collections 2. Confirmation that no amount is owed 3. Cessation of all collection activities 4. Correction of any negative credit reporting Date of first collection contact : XX/XX/XXXX Amount in dispute : {$140.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I used my Synchrony Care Credit XXXX XXXX to purchase all of my familys XXXX presents. I wanted to earn cash back and points for the purchases I would be making. I redeemed my points for 2 items and paid off the balance in full on XX/XX/XXXX. This evening while eating dinner with my daughter, I get an email from Synchrony stating that my balance had been lowered to {$250.00} from {$3400.00}. No reason, no heads up, nothing. I reached out and asked why but no real reason was given, just that the credit bureaus make these decisions. Thats absolutely ridiculous. Ive never had a late or missed payment and Ive had that card since I first joined the military around XXXX. Its almost as if theyre discriminating because my APR is 0 % because I fall under the SCRA . If I cant have a large balance, they cant make money off of me for interest so they decide to lower my balance. No other credit card company has done this. Ive paid down multiple cards and recently paid off a personal loan with XXXX XXXX. Why am I being punished for paying off a credit card? Whats the purpose of even having one to get points or rewards if youre punished when you use it. The letter states that balances on real estate is too high. I have 2 rental properties and a primary residence. All 3 were purchased with VA loans and I can afford them and they will take care of me in retirement. It also said balance were too high on cards. Look at all of my credit limits/balances and tell me what percent my credit spending is. Tell me how many missed payments or late payments I have. Dropping it {$3100.00} AFTER I pay the card off doesnt make any sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
Recently i look at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate : Account Name : XXXX XXXX Account numberXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I asked Credit Karma to dispute a transaction where the merchant stated to reimburse me for the total. I have attached the audio of that conversation. 

The merchant lied and did not provide the reimbursement as stated. 

The Credit Karma team did not help and reversed the transaction causing the account to be negative. The Credit Karma is now in a negative status and is locked.

Company response to consumer: Closed with non-monetary relief