vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: State Home Mortgage
State: GA

Complaint narrative:
URGENT SUPPLEMENT TO CASE # XXXX ISSUE : Servicers Explicit Refusal to Comply with RESPA Communication Requirements and Willful Obstruction of Loss Mitigation. 

I am filing this as a new, yet related issue because the servicer, State Home Mortgage ( XXXX  XXXX ), has now moved from a violation of my rights as a borrower by attempting to force me into a phone-only conversation about my mortgage account status and responses to information I have requested to be delivered to me via email only, in order for me to be able to keep a complete record of our correspondences- to now an additional explicit refusal to provide requested information in lieu of my espressed awareness of his violation and my filing of a complaint to the CFPB. 

1. Reference to Original Case : This matter is directly connected to my active XXXX # XXXX regarding a returned payment and a 5-day demand. 

2. The New Violation : On XX/XX/2025, I formally notified the servicer that telephone calls are an inconvenient method of communication for me and requested that all updates regarding the " stay '' on the 5-day demand, reinstatement of my previously accepted payment, and Loss Mitigation applications ( Non-COVID Deferral ) be provided in writing via email to ensure an accurate record for this federal inquiry. Unlike the previous refusal to provide the information I requested, the Default manager responded this time in willful non-compliance, explicitly stating : " are you available to talk now? I stated earlier, going forward all interaction will have to be done via phone. '' He is also on record for stating that providing email communication was a " courtesy '' rather than a regulatory requirement. 

4. Legal Basis : To the best of my knowledge, under RESPA ( 12 CFR 1024.36 ), a servicer must respond to a written Request for Information in writing. By refusing to document the status of my account, and the pending " stay '' on the 5-day demand, and the response to my request for payment reinstatement, I see this as the servicer acting in bad faith and attempting to avoid a discoverable paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: 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 you have 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 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 2025-12-26 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: MD

Complaint narrative:
As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly look over the materials provided ; these inquiries were submitted unexpectedly and could lack approval.

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 2025-12-26 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: NY

Complaint narrative:
, I am writing this letter as a survivor of severe domestic abuse, neglect, and identity theft, and I am asking for your urgent attention, compassion, and understanding. My name is XXXX XXXX, and I was subjected to abuse and exploitation by my former XXXX XXXX. This abuse was extreme and ongoing, leaving me isolated, terrified, and without basic necessities. I frequently went without food for days, endured physical beatings, and was systematically stripped of my dignity, autonomy, and identity. During this period of extreme vulnerability, my personal documents, including identification and financial information, were taken from me. My foster family used my identity without my consent or knowledge, opening credit accounts in my name and placing me in financial jeopardy. I lived in constant fear, not only from the physical abuse but from the knowledge that my personal life and finances were being stolen. The trauma has left lasting effects : I suffer from XXXX, XXXX, and recurring fear that these people could still harm me or interfere with my life. I am doing my best to survive and rebuild, but the existence of these fraudulent accounts prevents me from moving forward. The fraudulent accounts opened in my name include : XXXX  XXXX XXXX opened XX/XX/XXXX balance {$5000.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$14000.00} I did not apply for, authorize, or benefit from any of these accounts. They were created entirely without my knowledge or consent. Each time I see these accounts on my credit report, I am reminded of the abuse I endured and the powerlessness I felt. The existence of these accounts is causing significant emotional distress and further destabilizing my life. 
I am begging for your humanity and compassion. I am requesting that these fraudulent accounts be thoroughly investigated and removed from my credit report immediately. I am willing to provide documentation, including identification, proof of residency, and any police or social service reports that may assist in verifying my claims.

I understand that my situation may be difficult to believe, but I assure you that the trauma, fear, and abuse I endured are real. I am asking not just for a correction to my credit report but for a chance to reclaim my life and dignity. Please consider this request with care, urgency, and empathy. Your assistance can help me move forward from a past that has caused so much pain and fear. The FTC report:XXXX  Thank you for your attention, understanding, and humanity.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE INQUIRIES LISTED ON MY CREDIT REPORT WERE NOT AUTHORIZED BY ME. I DID NOT PROVIDE CONSENT AND WAS NOT AWARE OF THESE INQUIRIES.

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 2025-12-26 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: WA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
The us bank abruptly closed my account without any courtesy notice.I make automatic payments using this bank account.I am very disappointed in them for not letting me know about it .I could have arranged my financial things with another financial institution if they notified 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 2025-12-26 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:
After reviewing my credit reports, I noticed that this account is being reported inconsistently and inaccurately across the credit bureaus. The same account shows different dates opened and different payment status information, and one bureau even lists the payment status as Unknown.Because the details do not match and can not be clearly verified, this information is unreliable and unverifiable. Under the Fair Credit Reporting Act, credit information must be accurate, complete, and capable of being verified.I am requesting that you fully investigate this matter and verify that all information being reported is accurate and complete, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

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 2025-12-26 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:
After reviewing my credit reports, I noticed that this account is being reported inconsistently and inaccurately across the credit bureaus. The same account shows different dates opened and different payment status information, and one bureau even lists the payment status as Unknown.Because the details do not match and can not be clearly verified, this information is unreliable and unverifiable. Under the Fair Credit Reporting Act, credit information must be accurate, complete, and capable of being verified.I am requesting that you fully investigate this matter and verify that all information being reported is accurate and complete, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

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 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This debt collection has been resolved 2 months ago previously. Why do I have to waste my time again? BULL CITY FINANCIAL SOLUTIONS , INC Collection agency has again put something on my credit report for an active account. I am currently using my XXXX XXXX account for utilities on my rental contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
My federal student loan accounts are being reported inaccurately and inconsistently across credit bureaus by my loan servicers. The same underlying loans appear under multiple creditor names with conflicting balances, dates, and account statuses.

Some accounts are reported as closed, transferred, or paid with a zero balance, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates.

In addition, my loan servicer disclosed a data breach involving borrower information, raising serious concerns about the integrity and accuracy of the data being furnished. Despite disputes, inaccurate and unverifiable information continues to be reported, harming my credit profile. 
I am requesting a full investigation, correction or deletion of inaccurate tradelines, and confirmation that only verified and accurate information is reported.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
I have no affiliation with these accounts ; they must be removed within 15 days pursuant to USC 1681g.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Review the attached materials ; these inquiries came in without warning and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing a complaint regarding a XXXX XXXXXXXX XXXX XXXX credit card issued by Synchrony Bank. 

While making an online purchase at XXXX, I was offered a promotion stating that the item ( a XXXX costing {$49.00} ) would be free if I signed up for a XXXX XXXX  debit card. I agreed to the debit card offer and received the heater. 

I was not clearly informed that a credit card account ( XXXXXXXX XXXXXXXX XXXX XXXX ) would be opened in my name. I did not knowingly apply for or authorize a credit card. 

Afterward, I received a XXXXXXXX XXXXXXXX XXXX XXXX credit card, which I immediately refused and cancelled. The account was shown as closed in the XXXX XXXX application. Despite this, the original purchase amount of {$49.00} was placed on the credit card account using a temporary pass generated without my informed consent. 

Because I did not make a payment on an account I did not knowingly open, Synchrony Bank added fees and penalties, increasing the balance to {$81.00}. 

XXXX acknowledged the issue and offered a refund of the original purchase amount, confirming that the promotion was misleading. However, Synchrony Bank continues to hold me responsible for fees on a credit card account that was opened without clear disclosure or informed authorization. 

I dispute this balance and all related fees. I request that Synchrony Bank : Remove all fees and penalties Reduce the balance to {$0.00} Confirm that the account is permanently closed Confirm that no negative information is or will be reported to any credit bureau This situation resulted from misleading enrollment and lack of clear disclosure that a credit card account was being opened.

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 2025-12-26 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: IL

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief