vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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I am disputing the following items on my Equifax report, as they appear to be inaccurately reported or reflect outdated information. 

CHARGED OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-03 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: AZ

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 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 2025-12-03 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. These accounts are showing as charged off, and I believe there are inaccuracies in the reporting. Please investigate and provide a resolution to the following items : Charged Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$290.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$22.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX XXXX Account Date : XX/XX/XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( repeated entry )

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 2025-12-03 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts and inquiries listed on my Equifax credit report. I believe these accounts have been reported inaccurately, and I respectfully request that they be investigated in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts and inquiries : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never opened a XXXX XXXX account. A debt of {$920.00} has been reported in my name, which I did not authorize. I believe this account was opened as a result of identity theft or a reporting error. 
I have already submitted a dispute to TransUnion regarding this issue ( Service Request Number : XXXX ) and requested full validation of the debt, including the original credit application and account statements. 
I am requesting that this debt be thoroughly investigated, and if it can not be verified as mine, it must be removed from my credit report immediately, in accordance with FCRA 611.

I have not made any payments toward this debt and do not owe this amount. I am concerned about the potential negative impact on my credit and am seeking prompt resolution.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received multiple alerts from XXXX  that credit applications had been processed in my name, I did not submit any of the applications. 

Citi Bank had approved the application, which they canceled after I call and explain that the card was opened fraudulently. 

There were 2 XXXX XXXX cards applied for using my identity ( fraudulently ). XXXX XXXX canceled the applications. 

XXXX had a fraudulently opened application in my name, they canceled the application when I spoke with them. 

I called XXXX  and they placed a Fraud alert on my credit report. They also advised I open a case with the FTC, which led me to this website.

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 2025-12-03 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: NV

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-03 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 request a formal investigation into the following accounts that are listed on my credit report, which I believe contain errors or inaccuracies under the Fair Credit Reporting Act ( FCRA ). Please find the details below for your review. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I am filing this complaint against Medicredit regarding account number XXXX in the amount of {$200.00}, which is not my debt and does not belong to me. 

I have never received services from the original provider alleged for this account, nor have I entered into any agreement that would obligate me to this debt. Despite this, Medicredit is attempting to collect and/or report this account as mine.

I have reason to believe this account is the result of identity theft or a mixed-file error. This account is unauthorized, inaccurate, and unverified. 

I dispute this debt in its entirety. 

Why This Is a Problem Medicredits actions violate federal consumer protection laws, including but not limited to : FDCPA 809 ( b ) Failure to properly validate a disputed debt FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 623 ( b ) Failure to conduct a reasonable investigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy A debt collector can not continue to report, collect, or verify a debt that is not mine and has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because I am in the middle of an identity theft and fraud crisis, and Experian has made it nearly impossible for me to get the help I urgently need. I have spent days trying to place an extended fraud alert and freeze on my credit report, but I can not reach a single human being at Experian. Their phone system traps you inside the same repeated automated messages no matter what option you select. It is the exact same loop over and over again with no way out. Their AI refuses to connect me to a representative, and it ignores everything I say. 

My Experian account is currently locked because of the suspected identity theft activity, but the phone number listed on my credit file is old. Because of that, I can not verify my identity through their automated system. I can not update my information. I can not access my online account. I can not finish the steps required for the identity theft process. I can not speak to a human. I can not move forward. Experian has essentially trapped me in a situation where I am fully blocked from protecting myself. 

This is not a small inconvenience. This is a serious crisis. I am dealing with IRS notices, VA notices, and other urgent fraud-related issues, and Experian has left me without any way to defend myself. Their system gives me no option to update my phone number so I can verify my identity. Their phone AI refuses to transfer me to a live agent. Their website will not allow me to proceed. I am stuck in a loop I can not escape, even though this is an active identity theft case.

No consumer should have to be forced into this kind of helpless situation where a credit bureau is unreachable and unresponsive especially not during identity theft. Experian has failed to provide any accessible means for me to speak to a human representative or update the information needed to unlock my account. This has caused severe stress, fear, and frustration. I feel abandoned by a company that is legally responsible for my credit information and for assisting me during fraud.

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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding United Wholesale Mortgage ( UWM ) and their improper attempts to pressure us into a refinance or sale of our home, despite our mortgage loan being fully active, current, and performing with no breach of contract on our part. 

1. Communication During Loan Process All communication throughout our mortgage application and approval process was conducted solely through our assigned loan officer. We had no direct communication with UWM prior to closing. All requested documentation was submitted accurately to our loan officer. Nothing provided by us was altered, falsified, or misrepresented.

2. Employment Disclosure Prior to Closing On the same day that my partners employment ended, we immediately notified our loan officer. She explicitly advised us that this change did not affect the loan and that we were fine to proceed. We relied in good faith on her instruction. If this information was not conveyed internally to UWM, that failure occurred within their organization and is not attributable to us.

3. No False or Misleading Information Provided by Borrowers At no point did we provide inaccurate, misleading, or incomplete information. The employment change was properly disclosed to the individual handling our file. Any internal communication breakdown is UWMs responsibility, not the borrowers.

4. Loan Status and Payment History Since closing, every mortgage payment has been made on time and in full. The loan is active, current, fully performing, and paid exactly as agreed. There is no default, no missed payments, and no contractual violation on our end.

5. Improper Pressure : Refinance or Sale of the Home UWM contacted us in writing and stated that we must pursue either a refinance or a sale of our home. This is despite our loan being fully compliant and performing with no indication of borrower wrongdoing or financial hardship. We believe this pressure is improper, unsupported by our loan terms, and misleading.

6. Attempts to Move Communication Off Email After we responded in writing, UWM began attempting to communicate by phone rather than email. Given the seriousness of the situation, we believe all communication should remain in written form to ensure transparency and proper documentation. The attempts to shift to phone communication raise concerns about avoiding accountability or recorded statements.

We are submitting this complaint because UWMs actions have caused unnecessary stress, appear to lack contractual basis, and create the impression of an attempt to force a refinance or sale without cause. We seek CFPB assistance to ensure this situation is handled appropriately, transparently, and in accordance with federal mortgage servicing guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to dispute a significant billing error and related interest charges on my account, ending in XXXX. This billing error is associated with my purchase of flooring materials from XXXX XXXX on XX/XX/XXXX, and the subsequent unsatisfactory and incomplete installation by a contractor recommended by XXXX XXXX. 
The statement issued in XX/XX/XXXX, which arrived on or about XX/XX/XXXX, indicates a current balance of {$4900.00}. A large portion of this balance, specifically an " interest charge ( net ) '' of {$3300.00}, is incorrect. My records indicate an expected outstanding balance of approximately {$1500.00}. I was not made aware of this charge, and it is unreasonable given the incomplete and unsatisfactory service. 
The flooring installation was performed by a contractor recommended by XXXX XXXX. This contractor left the job incomplete and performed unsatisfactory work, leaving the floor crackling, uneven, and with bumps and incorrectly cut pieces. As of today, the issue has not been resolved. This constitutes a valid basis for disputing the charge under the Fair Credit Billing Act ( FCBA ) for services that were not delivered as agreed. 
Despite numerous attempts to reach a resolution with XXXX XXXX the issue remains outstanding. My account has also been subject to collection attempts, including phone calls after my initial complaint to the FCBA and a recent email demanding payment. These collection efforts were made while the core dispute related to the service and subsequent interest charges remains unresolved. 
Their actions demanding payment for a service I didn't receive correctly and adding significant interest charges during the dispute process are exactly what consumer protection laws aim to prevent. 
XXXX XXXXSynchrony Bank finance provider which charged a disproportionately large interest fee ( {$3300.00} interest on an expected {$1500.00} balance ) and continued collection attempts ( phone calls, emails ) even after I began communicating a dispute.

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 2025-12-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXXXXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, 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