vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt collection associated with my XXXX XXXX account. 

Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This account is linked to a home address I never mortgaged or moved into. This was simply a quote for homeowners insurance. I believe that the collection agency has not verified the addresses properly, and now they are attempting to collect a debt that I should not be held responsible for. We have since moved into and insured, through a different agency, our new home. Our new home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The address tied to this collection is not ours XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have attached closing documents for the right address and the right insurance tied to the home. 

I kindly request your assistance in addressing this matter. It is crucial that my rights are protected, and that the debt collection agency investigates the legitimacy of their claim against me. This has negatively impacted my credit and I would like them to resolve this matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
( I'm rounding figures ) In XXXX I filed for tax exemption I let my mortgage company XXXX XXXX know that the property tax people sent me back my money for them to take the money they had for the XXXX tax payment I sent the rest to cover the insurance shortage so my house payment would not be {$480.00} He sent me a surplus check of XXXX And fold my loan to Freedom Mortgage who still had my house payment at XXXX I contacted them XX/XX/XXXX XXXX XXXX I wasn't in the system yet to call back on the XXXX  I called back on the XXXX told him I was tax exempt The house payment was wrong it needed to be XXXX. You can see on the property page that I'm tax exempt They did not ask me for the letter They refigured my loan and had it for XXXX I called them on XX/XX/XXXX and told them it was wrong again They had me talk to a bunch of people tax department everything they said they would redo it on XX/XX/XXXX they sent me an email acknowledging I only pay {$1.00} in XXXX months for taxes Then on XX/XX/XXXX they did a new escrow where they were taking {$160.00} out every XXXX months for taxes I replied to their email spelling everything out that my house payment should be XXXX They still have not corrected it Now they're saying they'll do a new escrow XX/XX/XXXX When I make this house payment for this month they will have {$100.00} of my money for taxes I don't have to pay they keep telling me they owe me less than XXXX so they don't have to pay 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 2025-09-09 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: TX

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/year>, I applied for a new credit card with Capital One to take advantage of a specific rewards offer through XXXX XXXX  My application was immediately approved, and a charge of {$4500.00} was pending on XX/XX/XXXX and was told to call back Monday, XX/XX/XXXX to see if the amount had posted to the account. It was and I promptly paid the balance in full as they already had my checking account number as I uploaded it to the app ( of which I am now unable to access. ) Following this, I was contacted by the company 's fraud department. The agent informed me that my account was restricted and that I would need to provide additional documentsincluding a bank statement, a utility bill, a copy of my driver 's license, and my Social Security cardto verify my identity. I was also told that I would not be able to receive the rewards I applied for until I submitted this documentation. 

This situation represents a clear bait-and-switch. The account was restricted, and I was denied the rewards after the card had been approved and fully paid, even though the requested identity information had already been verified during the initial application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute to Experian via XXXXXXXX XXXX XXXXXXXX. XXXX. According to XXXX XXXX, this item was * Picked up at XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the certified mail receipt and proof of delivery. 

Instead of complying with its duty under the Fair Credit Reporting Act ( FCRA ), Experian sent me an automated email on XX/XX/year> claiming that my correspondence was fraudulent/suspicious and refused to process the dispute. This violates : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to investigate disputes- 15 U.S.C. 1681i ( a ) ( 2 ) Requirement to notify furnishers - 15 U.S.C. 1681s-2 ( b ) Obligation of furnishers upon notice XXXX actions obstruct my right to accurate credit reporting and constitute noncompliance with federal law. 

XXXX XXXX XXXX Requested Action : I request that the CFPB investigate this misconduct and require Experian to : XXXX. Properly acknowledge and process my dispute. 
XXXX. Remove the false suspicious/fraudulent classification. 
XXXX. Correct or delete all inaccurate or unverifiable information in my file. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony originally provided access to my account data through XXXX, which allowed me to monitor my transactions and spending in my budgeting app. This was an important factor in my decision to use their card, since Section 1033 of the Dodd-Frank Act gives consumers the right to access their financial information in a usable electronic form. 

Recently, Synchrony removed this access. They have stated there is no timeline or effort underway to restore it. Without this access, I can not reliably see my transactions, spending, or payment due dates in a format I can use. I have contacted support multiple times, but no solution was provided. 

This effectively holds my personal financial data XXXX and prevents me from exercising my right to use my own information to manage my finances. At times I can not even log into their own app, making it impossible to stay on top of payments or understand how much I am spending.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
The company has removed from my credit card online account the 6 month dispute history, and they never responded to the dispute, but continued to provide e-letters letting me know my claim was still being reviewed.

This looks like fraudulent and because 6 months of dispute history is not documented on my account when I login to manage my credit card account.

The company keeps giving me the run-around and when I call or login to manage my account, the information regarding my active dispute is delete with no record of what has transpired. The company never provided a letter regarding my dispute and deleted my account history. No letter was provided until I submitted a claim through CFPB.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and request the immediate removal of unauthorized credit inquiries from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 604. 
Upon reviewing my credit report, I noticed the following unauthorized hard inquiries that I did not initiate, approve, or authorize : XXXX XXXXXXXX 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 These inquiries were not XXXX XXXX any application for credit, loan, services, or any other account. I did not XXXX written authorization for these parties to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts represent a violation of 15 USC 1666. I have always submitted my payments on time, and any errors in this reporting are both improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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