vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further XXXX  to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Madison Auto, LLC
State: CA

Complaint narrative:
I am disputing a tradeline reported by XXXX XXXX XXXX. This debt was originally with Solera Auto Finance, but it now appears under two different names across my credit reports : XXXX XXXX XXXX on XXXX, and XXXX XXXX on XXXX  both with different addresses. 

I requested validation of the debt and proof of legal assignment from Solera, but have not received documentation. I believe this account is being inaccurately reported, and Im requesting deletion due to lack of proper verification, inconsistent reporting, and failure to demonstrate ownership or servicing rights. 

I request the CFPB to assist with this matter and ensure XXXX follows fair credit and reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-17 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-17 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:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I made a dispute and it has been 10 business days since I filed and have yet to receive any provisional credit. This dispute falls under regulation E and I have yet to receive temporary credit in a timely manner.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I, XXXX XXXX, sent a certified debt validation letter to Jefferson Capital Systems on XX/XX/year>, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 
1692g ( b ). Under this law, a consumer has the right to request written verification of a debt, and the collector must cease collection efforts until proper validation is provided.

Despite this, Jefferson Capital Systems failed to produce : - A copy of the original signed agreement- An itemized breakdown of charges- Legal documentation showing they are authorized to collect this debt This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
They continue to report unverifiable information to the credit bureaus. 
* * Account Numbers Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail Tracking Number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: TN

Complaint narrative:
I contacted Discover on XX/XX/XXXX, to discuss my current financial hardship. I have had a Discover card since XXXX  and have never missed or been late on a payment. Despite being unemployed and under serious financial strain, I have continued making payments but it is becoming increasingly difficult, and I can no longer sustain it. 

I called in good faith to ask if there were any options available to help me reduce my payments temporarily or reassess my situation. The representative I spoke with ( XXXX, ID # XXXX ) told me flatly, You have no options unless you hit the lottery, and then laughed. I was stunned and hurt by her response. This was a serious and vulnerable moment for me, and I was mocked instead of helped. 

I reported this incident to XXXX XXXX XXXX. The response I received was dismissive it failed to acknowledge or take accountability for what happened. Instead, they reiterated standard policies and vaguely stated that the employee had been addressed internally. They also advised me to seek outside financial counseling, which felt like a deflection rather than a willingness to help a long-time, on-time customer who is now struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-17 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: NJ

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 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 2025-06-16 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX Dealership in XXXX, California falsified my Lifetime Disability Income and I provide it Dealership XXXX XXXX XXXX evidence and they falsified on my Disability income.. 
Plus I told them that I have anew XXXX Va Mortgage of {$2800.00} a month and paying over {$300.00} a month payments is very unaffordable to me. 
Dealership Managers at XXXX XXXX stated that ALLY Auto Financing was going to reduce my Auto Loan around {$300.00} a month but they lied and Ally refuse to lower my Auto Loan to affordable monthly payments at {$300.00} a month.and this vehicle purchase of a XXXX XXXX XXXX was listed at {$33000.00} dollars and purchase during the Covid19 Pandemic.

I have a Lifetime Disability and I am retired and I do have a VA Loan Mortgage.CV XXXX XXXXXXXX Federal Complaints was filed with Consumer Finance Protection Buraue from XX/XX/XXXX till Present. 

Ally Company Law Firm sent me emails and I was able to keep the vehicle in my possession as I told Aly Law Firm Attorneys that I needed my vehicle to attend my Lifetime Disability Appointments with my XXXX XXXX XXXX in XXXX, California. 
FBI investigations can track all my emails to Ally and XXXX XXXX in XXXX, California. 

I appreciate ALLY Auto Finance in allowing me to have vehicle in my possesion since XX/XX/XXXX till Present. 
My home at XXXX XXXX XXXX XXXX, Ca.just had a buyout purchase by US Department of Veterans Affairs on XXXX XXXX as XXXX Va Loan had a major Frauds and Corruptions.from XXXX XXXX till XXXX XXXX. 

XXXX XXXX XXXX doesn't have Equity so I can buyout Ally debt of {$33000.00} dollars, but Ally can have their Attorneys draw legal documents to have a affordable monthly payments of {$200.00} a month until home build Equity after Federal Buyout and Equity of home can be use to payoff the Auto Loan in two years.

I respectfully don't have {$5000.00}, {$10000.00}, {$20000.00}, {$30000.00} in my Disability Checking account on my Bank Account and FBI Investigations and US Department of Justice ADA AND IRS can check my checking account.

My Disability income back on XX/XX/XXXX wasn't {$6000.00} a month as stated on application of XXXX XXXX as Management refuse to correct my Disability income to {$4300.00}. a month.

My Disability Income is Taxable and is now {$4700.00} a month as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I received a debt collection notice from Synergetic Communication , Inc. ( Syncom ) on behalf of XXXX XXXX XXXX for a {$50.00} charge, plus {$2.00} in interest. The debt was unexpected, as during my last visit to XXXX XXXX XXXX I was explicitly told by the office staff that my account had no outstanding balance. I only learned of the alleged debt nearly a year later via this collection notice. When I contacted Synergetic to dispute or understand the charge, the representative could not clearly explain the origin of the debt, refused to offer a settlement, and stated that interest would continue to accrue. I formally requested an itemized breakdown and payment allocation, but the response provided no clarification. I believe this debt may be inaccurate or misrepresented, and I am requesting a full investigation and cessation of collection activity until the matter is properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I am submitting this complaint because TransUnion continues to report an account from XXXX XXXX XXXX ( # XXXX ) as a " Charge Off '' despite the fact that the vehicle was voluntarily surrendered in XX/XX/year>. This dual reporting of " Voluntary Surrender '' and " Charge Off '' violates Metro 2 guidelines and creates a distorted and punitive impression of my credit behavior. 

This inaccurate reporting has continued for more than 36 months, with crucial information missing such as the Date of First Delinquency ( DOFD ), Date of Last Activity ( DLA ), and Payment Rating. I previously disputed this with TransUnion and even sent a certified letter to XXXX XXXX requesting verification, to which they never respondedtriggering obligations under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) of the FCRA. Despite these efforts, the inaccurate data remains. 

This situation is not just a technical errorit has caused me ongoing XXXX, financial exclusion, and immense XXXX  XXXX. Ive been denied housing opportunities and credit, and it has impacted my familys stability. The constant fear of judgment and rejection from lenders is taking a toll on my XXXX XXXX. I feel powerless and ignored despite having followed all the legal procedures to fix this.

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 2025-06-17 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: MO

Complaint narrative:
Several companies have unlawfully accessed my credit report, directly damaging my credit and reducing my credit score. Despite assurances from your agency that these unauthorized inquiries would be removed, they remain intactthis is wholly unacceptable. 
The persistent presence of these potentially fraudulent entries strongly suggests identity theft and underscores a clear failure by your agency to fulfill your obligations. This ongoing neglect is inflicting serious emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I called midland credit to get verification documents on the original loan. They kept harassing me into giving them the what they called good faith payment which they wouldnt let me off the phone without paying it. Then I want to report him for harassing me saying wheres my paycheck from today and why cant you pay today so I hung up and called back to fill report and while I was explaining how I was being harassed for a good faith payment as soon as I said those words the lady asked well would you be able to make the payment today? I was baffled and knew that I would not be able to be heard at this company I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by TransUnion for XXXXXXXX XXXX XXXX with account number XXXX Specifically, TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-06-17 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief