vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TN

Complaint narrative:
I had a transaction that made my credit line at Synovus Bank and XXXX overdrawn. I have been members since XXXX  I have had the same cell phone for 25 years, no one called. No email, no post office mail, nothing. I noticed it on my credit report and immediately called and paid off the account. They acted as if they were not concerned at all. Today, I noticed that they sent the past due amount to " XXXX '' for collections and now it is on my credit as a collection. I called Synovus today and they confirmed the amount has been paid off and they were not sure why the account is showing as a collection. As a matter of fact, I overpaid and should receive a refund. I am asking that all negative information be removed from my credit report and all information must be obtained and verified before they randomly place information of someone's credit file. Thank you for your time. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I am not behind my mortgage and was never late payment.This request is in regards to my insurance claim needed to fix my house roof leak, fence painting and interior paintimg due to roof leak. 
I am required to send every check insurance send to Roundpoint to sign. 
I have XXXX checks valued at roughly {$1900.00} and {$2800.00} sitting with roundpoint for a while where they give me all kinds of excuses not to send over. 
I demand my money released so I can complete the necessary work. 
Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. My personal information, including my Social Security number and date of birth, was compromised in multiple data breaches, specifically involving Equifax and XXXX. 

As a result of these breaches, unauthorized individuals have used my identity to open multiple fraudulent accounts and attach addresses to my credit file that I have never lived at. These accounts were opened without my knowledge or consent, and I am not responsible for them. 

I discovered the following accounts on my credit reports that are fraudulent or improperly reported : XXXX  XXXX XXXX ( Acct # unknown ), Balance {$19000.00} XXXX XXXX XXXX XXXX ( Acct # XXXX and Acct # XXXX ), Totaling {$31000.00} XXXX Credit ( Acct # XXXX ), Balance {$3900.00} XXXX XXXX XXXX ( Acct # XXXX ), Balance {$2100.00} XXXX Card ( Acct # XXXX ), Balance {$27000.00} XXXX XXXX XXXX Bank ( Acct # XXXX ), Balance {$29000.00} In addition, the following addresses have been added to my credit file fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XX/XX/XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have never resided at any of these addresses and did not open any of the accounts listed above. I am requesting assistance in blocking and removing this fraudulent information from my credit reports, as provided for under the Fair Credit Reporting Act ( XXXX  ) XXXX. I have included a signed identity theft affidavit, proof of my identity, and proof of my current address.

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 2025-07-11 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Disputed Account ( 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. SC FED XXXX XXXX - XXXX Inaccurate Address Removal Demand FCRA XXXX ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA XXXX ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file. 
Addresses to Remove : XXXX. Incorrect Name - XXXX XXXX XXXX XXXX. Incorrect DOB - XX/XX/XXXX XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. EMPLOYER - XXXX XXXX. EMPLOYER - XXXX I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted. 
Unauthorized Inquiry Deletion Demand FCRA XXXX You are reporting XXXX or more hard inquiries on my credit file that were made without my knowledge, consent, or permissible purpose. Under FCRA XXXX ( a ), a consumer reporting agency may only furnish a report under specific, legally authorized circumstances, including written instruction or credit application. I did not authorize these inquiries and demand their immediate removal. 
Inquiries to Remove : XXXX. XX/XX/XXXX- XX/XX/XXXX XXXX. XX/XX/XXXX- XX/XX/XXXX XXXX. SYNCBJCP - XX/XX/XXXX XXXX. SYNCBBELK - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had over XXXX points on credit card that they closed. They said that they sent me letter to notification but i never recieved. i would like my account reopened and my points restored. I feel like my account was targeted because of the large points balance and it would benefit them to close out my account so that i would lose my points accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX Subject XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Aid Advantage ] XXXX was taken over by Aid Advantage Reporting to the XXXX Credit Bureaus, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. 

XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX U.S.C. XXXX ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Aid Advantage ] XXXX was taken over by XXXX XXXX Reporting to the XXXX Credit Bureaus, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. 

XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX U.S.C. XXXX ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX Subject XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Aid Advantage ] XXXX was taken over by XXXX XXXX Reporting to the XXXX Credit Bureaus, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. 

XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX U.S.C. XXXX ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XX/XX/XXXX - Account Number : XXXX * XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CRED XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX CRED XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX * XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX NA Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute 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 2025-07-11 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: NV

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: First Technology Federal Credit Union
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a duplicate withdrawal transaction that was posted to my account with First Tech Federal Credit Union. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Type : Descriptive Withdrawal Mobile Deposit This transaction appears to be a duplicate withdrawal referencing a check that had already been processed. I did not authorize this second withdrawal, and it has negatively impacted my account balance. I have attempted to resolve this issue directly with First Tech Federal Credit Union, but have not received a satisfactory resolution. 

I am requesting that the CFPB investigate this matter and assist in facilitating a reversal of the duplicate charge. I am prepared to provide supporting documentation, including screenshots and account statements, upon request. 

Thank you for your attention to this matter. 

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
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA Section XXXX ( b ), credit reporting agencies must ensure that all information they report is accurate and up to date. I have several inconsistencies reported on my credit profile. FCRA Section XXXX ( b ) requires consumer reporting agencies ( CRAs ) to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
FCRA Section XXXX ( a ) ( XXXX ) gives you the right to : Request all information in your file, including payment history, account status, and reporting details. 
If payment history is missing yet the account is still being reported the information XXXX be : Misleading or incomplete ( grounds for dispute under FCRA ). 
Unverifiable, which under FCRA XXXX XXXX, means it must be corrected or deleted if not verified within XXXX  days. 

I am including a copy of my report that reveals all inaccuracies.

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 2025-07-11 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: GA

Complaint narrative:
According to FCRA Section XXXX ( b ), credit reporting agencies must ensure that all information they report is accurate and up to date. I have several inconsistencies reported on my credit profile. FCRA Section XXXX ( b ) requires consumer reporting agencies ( CRAs ) to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
FCRA Section XXXX ( a ) ( XXXX ) gives you the right to : Request all information in your file, including payment history, account status, and reporting details. 
If payment history is missing yet the account is still being reported the information XXXX be : Misleading or incomplete ( grounds for dispute under FCRA ). 
Unverifiable, which under FCRA XXXX XXXX, means it must be corrected or deleted if not verified within XXXX  days. 

I am including a copy of my report that reveals all inaccuracies.

Company response to consumer: Closed with explanation