vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I noticed a few days ago in my statement summary I receive from Synchrony that my minimum payment had doubled. When I looked into my account online I saw that over {$1500.00} in interest was applied to a {$1900.00} principal back in XXXX. When I called Synchrony they said that was due to a promotional deferred interest plan I supposedly signed with XXXX XXXX, and that I had until XX/XX/year> to pay the balance in full or would be charged all interest accrued during a 18 month 0 % APR at a 29.99 %. This was not clear to me and was under the impression from the XXXX XXXX rep that the 29.99 % APR would begin after the 0 % 18 month APR. The account management team at Synchrony did not provide any communication about the promotion period ending, or that they have a grace period which expired XX/XX/year> and are unwilling to settle or waive a portion of the interest. I offered to pay full principal balance and half of the interest payment yet they were unwilling to waive any portion. To me the unclear terms, the lack of notification of promotion expiration, or providing ways to avoid the sudden charges applying to my account are predatory and they bank on unassuming customers not paying attention to their accounts and navigating to their website to download a long form statement where it is explained.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have recently removed my fraud alert from my credit report but the personal statement on my credit report was not removed. 

On several occasions I tried reaching out to Experian to remove the personal statement from my credit report but every time I contacted Experian I was only able to reach an automated representative instead of real live agent

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 2025-05-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I had a small CD, {$16000.00} appx, with Synchrony Bank with a 15 month term which matured on XX/XX/XXXX. I selected the option of closing the CD and depositing the proceeds into a savings account upon maturity months ago in their online tool. Apparently that information was not saved or processed correctly. I checked my account a few weeks ago to ensure the CD matured into a savings account. My CD was, incorrectly, renewed into a new 15 month CD. I do not want a new CD. I never wanted a new CD. 

I have tried multiple Synchrony Bank customer support channels. They have no authority to do anything except read their screens. My 10 day grace period ( which I should have never needed as I asked for the mature CD to be closed ) is now expired due to the bank 's errors.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
It started out with dell financing they sold the account to community bank. Once the debt was sold thats when it showed I was late. I could not contact dell finance because they are not in business. 

I have attached two screen shots of my credit report before and after the selling of the debt. Before it showed I was current on all payments the second shows I was late 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: PA

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 2025-05-19 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: PA

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 non-monetary relief
Consumer complaint received 2025-05-19 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: CT

Complaint narrative:
Name XXXX XXXX SS # XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, delete 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. This fraudulent, inaccurate, and false information are listed below : Accounts XXXX XXXX XX/XX/XXXX charged off XXXX XXXXXXXX XXXX XX/XX/XXXX charged off XXXX XXXX XX/XX/XXXX charged off XXXX XXXX XX/XX/XXXX charged off Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question.. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My card was stolen XXXXXXXX XXXX called Chase Bank and canceled same day put a stop on all charges I thought.Was sent another card different account number weeks later never registered new card still in envelope because I started using another bank card after not using stolen car for months I was charged by XXXX for a purchase on stolen card.Chase paid on the unused stolen card month later an is billing me.Chase told me it was for my convenience they paid on a canceled reported stole card months later.I think this is Chase Bank failure to cancel my account and protect me from fraudulent activity.How long is this fraud going to continue before someone actually looks into their business practices.I believe that when I call you and report card stolen any charges you let go through weeks later should be dismissed due to bank oversight

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a {$200.00} XXXX XXXX gift card. Once the card was opened it was clear the card had been compromised in some way. It appeared as if the package had been opened and then glued shut again. Additionally, the last digits of the card are missing so it's impossible to use online. I have provided this information to XXXX multiple times and they continue to accuse me of removing the card numbers or to " stop covering them ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: LoanCare, LLC
State: NJ

Complaint narrative:
I am writing to formally dispute the flood insurance requirement and the associated escrow charge applied to my account. 

On XX/XX/XXXX, I received a notice from Mission Servicing stating that flood insurance was required for my property, as it was allegedly located in Flood Zone AE. In response, I contacted customer service on XX/XX/XXXX, and submitted the most recent FEMA flood map, which clearly shows that the property is located in Zone X, where flood insurance is not required. 

Subsequently, on XX/XX/XXXX, I received confirmation from XXXX XXXX that a flood zone determination had been conducted and that the property was not in a flood zone requiring insurance. 

However, on XX/XX/XXXX, I received another notice stating that flood insurance was still required for the period between XX/XX/XXXX, and XX/XX/XXXX, and that a policy had been force-placed on my behalf. I again contacted customer service and submitted a flood certificate dated XX/XX/XXXX, from the title reportpart of the original closing documentsconfirming the property is not in a flood zone ( property is in zone X ). 

Despite multiple follow-up calls, I have only been told that further requests would be submitted to resolve the issue. I was also promised callbacks with updates, which I have not received. My most recent call was on XX/XX/XXXX, during which I was again told that another request would be submitted, but that the flood insurance requirement for the period in question still stands. 

Additionally, I have noticed a {$460.00} charge applied to my escrow account on XX/XX/XXXX, for the force-placed flood insurance.

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 2025-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out to report two unauthorized business credit inquiries that appeared on my business credit report from XXXX XXXX. The first incident occurred XX/XX/year> and the second XX/XX/year>. I did not initiate any application for credit products or services with XXXX XXXX during these dates, nor did I authorize these inquiries. These inquiries are negatively impacting my business credit score and I am questioning there legitimacy and the immediate removal of these unauthorized inquiries. Additionally two UCC filings have been inaccurately been reported on my business credit report. The first filing dated XXXX lists auto XXXX located at XXXXXXXX XXXX XXXX XXXX  in XXXX California as a secured party. The second party dated XXXXXXXX  lists XXXX XXXX located XXXX XXXX XXXX XXXX in XXXX California . I have not entered into any security arrangements with these entities and these filings are erroneous and potentially fraudulent. These inaccuracies are adversely affecting my business credit report and business reputation. I am requesting an immediate investigation into these inquiries and filings and their removal. My business credit report is attached to show said inaccuracies regarding these matters.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union has allowed a 3rd party who is committing a felony of identity theft to furnish my consumer report with false Information with no proof. Transunuin is letting a company that I have no legal contracts or obligation to furnish lies that have hurt me financially and emotionally. I was recently denied a home loan and a credit card and took a large loss in points on my credit due to these lies. 

Ive attached my id and utility bill for ID verification

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Acra Intermediate Holdings, LLC
State: NY

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint against the following parties : Mortgage Broker : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  : Arca Lending On [ insert date ], I entered into a signed agreement with XXXX XXXX XXXX XXXX XXXX XXXX and paid a mortgage broker fee in good faith. Despite having a valid contract, I was charged an additional {$14000.00} at closing without proper justification. 

Following this unexpected charge, I sent a formal demand letter through my attorney to both Arca Lending and XXXX XXXX XXXX requesting an explanation and a refund. However, both parties have ignored the communication and have taken no action to address the issue or return the funds. 

Additionally, XXXX XXXX has blocked my phone number and is no longer reachable by any means, further preventing me from resolving the matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-05-19 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: FL

Complaint narrative:
Experian has been negligent and noncompliant in their practices. Failing to properly investigate disputes, auto verifying information without reaching out to the appropriate contacts in reference to the accounts in dispute. failed to provide accurate proof of investigation methods. When you call the agents are extremely disrespectful and hang up the phone on you as well as stall you. Experian violates my Federally protected rights by failing to follow the proper protocols per the fcra, experian has re aged the account in questions reporting it as 180 days late every month over the course of a year, which is misleading and abusive and damaging my financial report and credit worthiness. it is obvious the account in question has never properly been investigated. experian is violating my rights under the FCRA 611 ( a ), FDCPA 807, FCRA 609 ( a ) ( 1 )..

showing continuous 180-day lates for over a year post-closure is not only misleadingits deceptive and suggests malicious intent or negligence. 

when speaking to the agent XXXX in reference on this they stated the account was delinquent from XX/XX/year> and 180 day delinquent on XX/XX/XXXX XXXX which clearly shows they are negligent, non compliant and fail to verify the information being reported prior to furnishing. 
XXXX stated the account was already in dispute however she can cancel the dispute to re dispute it. she failed to get me on the phone with a supervisor and stated i can get a call back when the last agent mentioned the same thing yet i never recieved any call back. 


I am prepared to litigate this is causing me mental, physical and financial 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