vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: TN

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 prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on XXXX  and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report includes a bankruptcy record that I believe is inaccurate or can not be verified. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a completely accurate credit report. I request a review of this bankruptcy entry, and if it can not be verified, its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is being made because after reviewing my credit report, I have found addresses that do not belong to me. I have found numerous amounts of closed accounts, which Ive never even opened these accounts. I have collections that do not belong to me, and I have inquiries on my report that I did not authorize anyone to run my credit or retrieve my credit report. Im asking by using the help of this bureau to remove because the credit bureaus are not responding to my disputes.

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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: CA

Complaint narrative:
In XX/XX/year>, Global Lending Services LLC ( XXXX ) made a hard inquiry on my credit file in connection with an auto refinance application submitted through XXXX. 
I provided full consent for the application and expected either an approval or a written explanation for denial. 

After the inquiry appeared on my credit report, I contacted both XXXX  and XXXX  to obtain an adverse action notice explaining the reason for the credit denial, as required under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.9 ). 

XXXX informed me that they can not provide an explanation or letter, stating that they do not have my file because the application was submitted through XXXX. XXXX also stated they could not provide an explanation.

As a result, I have been denied the required written notice of adverse action even though XXXX accessed my credit file and made a credit decision.

I am requesting that the CFPB direct Global Lending Services LLC to : 1. Provide me with a proper Adverse Action Notice explaining the specific reason ( s ) for the credit denial.

2. Clarify why the notice was not issued after my initial request.

3. Ensure compliance with ECOA and FCRA requirements for future applicants.

This situation occurred around XX/XX/year>, and involves Global Lending Services LLC ( XXXX, SC ) and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Ensure that disputed accounts are removed without delay, consistent with legal mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XX/XX/year> XXXX called me asking me questions about a wire I authorized. During the conversation I was asking questions my account was never flagged during a wire transfer and I didnt not know her nor trusted her. She asked me security questions about my wire and said she will authorize the wire but received a email sating otherwise. please listen to the recorded line. 
XXXX deceived me in this conversation and used her personal perception and power in my account to deny a legal and lawful wire. I would like a investigation into this and want XXXX to stay away from my account and 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 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Purchased a XXXX XXXX 18 months ago. Synchrony SET UP the payment program for 18 months at 0 % interest for {$240.00} per month. So I assumed that I was making a payment for 36 months [ XXXX which seemed about right ]. 
They encouraged on line statements which I finally figured out how to view on XX/XX/year>. I then realized it was only 18 months and was being charged {$3900.00} for not paying within 18 months. So on XX/XX/year> I paid the full balance due of {$5100.00} and it has posted. Now the account shows a balance due of {$3600.00} When I explained it all on XX/XX/year>, I was simply told " that's the rule '' In the past with Synchrony { XXXX account } arranged the payment schedule monthly to cover the span of the 0 % program. 
The payments of {$240.00} were automatically deducted from my checking account for 18 months. EITHER they purposely gave me a monthly amount of {$240.00} to trick me into an interest charge OR they made a mistake. If they gave me the CORRECT amount to pay monthly I'd have paid it. I want the balance due to be zero.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Good day. I cant stress enough how frustrating and debilitating this situation is. I woke up XXXX day to find a debt that I know nothing about, completely unverified and absolutely not mine. Since then, Ive been receiving constant harassment across multiple communication channels, with threats of legal action that no innocent consumer should ever have to endure. This is deeply insulting to me as a law-abiding citizen and a clear violation of my consumer rights. Its been taking a toll on my mental health, and Ive had sleepless nights over this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my TransUnion credit report, I identified several unauthorized credit inquiries that I never applied for, approved, or initiated. These inquiries were made without my consent, which is a clear indication of identity theft and unlawful access to my personal credit file. The companies and accounts involved are listed below :XX/XX/XXXX These creditors had no permissible purpose to access my credit file under FCRA 1681b ( a ). The presence of these fraudulent inquiries on my report represents a violation of my consumer rights and failure to protect my personal information under 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
XXXX sold my information to another company without me knowing in XXXX. I paid off interest with XXXX  then once transferred over interest started back when I was told it would not. All my information was compromised and shared with other vendors. I also applied for a forgiveness plan that I qualified for and was denied. I was on an income driven repayment plan pay as you earn. I have not been successful with repayment due to a case of discrimination and being illegally fired or forced out. 
Also, there was some fraud with the school and the loans. I did not want the loan and was forced to take it and my FAFSA covered that semester but I was told I needed to take out the loan anyway.

I want to apply to the class action lawsuit with XXXX  because they sold my information with out any notification or my consent. All I know is I had to register with another organization if I didnt want repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under my rights granted by the Fair Credit Reporting Act ( FCRA ), I am disputing the following entries listed in your records : 1. XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ) * * Charge-off showing balance of {$110.00} Late payments include 30, 60, 90+ days with over 15 reported Violations : Misreporting charge-off with unpaid balance, non-compliant payment history profile, violating Metro 2 and FCRA 607 ( b ).

2. Hard Inquiries Not Tied to Open Accounts : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Violation : No active accounts tied ; violates permissible purpose per FCRA 604. Data integrity further compromised due to Equifax 's XXXX breach.

Please delete or correct these items pursuant to FCRA 611 and Metro 2 accuracy standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
CFPB Complaint ( New Submission Unresolved Refunds ) Complaint Against : TD Bank USA, N.A. ( Target Card Services ) Product : Credit card ( Target XXXX  Card, account ending in XXXX ) Issue : Failure to refund payments and finance charges after fraud resolution What Happened : This is a follow-up to my prior CFPB complaint ( Case # XXXX ) regarding fraudulent activity on my Target XXXX  Card.

While Target Card Services ultimately reversed {$7700.00} in fraudulent charges, they have not refunded the interest fees or minimum payments I was forced to make while waiting for the fraud case to be resolved a process that took months and exceeded the Fair Credit Billing Act ( FCBA ) 90-day limit. 

Here are the unresolved amounts : Minimum payments made toward fraudulent balances : XX/XX/year> {$270.00} XX/XX/year> {$170.00} ( fraudulent portion ) XX/XX/year> {$210.00} ( fraudulent portion ) Total : {$670.00} Unreimbursed interest fees charged on fraudulent balances : XXXX {$190.00} XXXX {$180.00} XXXX {$210.00} XXXX {$180.00} Total interest = {$780.00} Only {$180.00} was credited, leaving {$600.00} still owed. 

Total amount still owed : {$1200.00} ( {$670.00} in fraudulent payments + {$600.00} in unrefunded interest/fees ) Despite my repeated communications with Target Card Services ( including Case # XXXX, opened in XX/XX/year> ), they have not provided a timeline for refunding these amounts. Their previous letter confirming the reversal of fraudulent charges specifically stated that all related fees and interest charges were included which is inaccurate, as these fees remain unreturned.

This has caused significant financial and emotional stress, especially as this issue occurred while I was late in XXXX and caring for a XXXX. 

What I Want : Immediate refund of {$1200.00} ( fraudulent payments + remaining interest charges ).

Written confirmation that all associated fees have been cleared and my credit report will not be negatively affected.

Assurance that TD Bank will comply with FCBA refund requirements in future cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since early this year, every time I apply for credit or try to verify my identity with any financial institution, I am told that my credit information is blocked and that I need to contact Experian. 

I have contacted Experian multiple times and reviewed my account through their website. According to my Experian report, there is no security freeze, fraud alert, or lock on my credit file. However, lenders continue to report that they can not access my credit information. 

This issue has been ongoing for several months and has negatively impacted my ability to obtain credit. I have taken all reasonable steps to identify the problem, including verifying my report and contacting Experian directly, but no one has been able to resolve it. 

I am requesting that Experian provide a full explanation of what is causing this block and take immediate action to restore access to my credit file so that legitimate creditors can view my report.

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 2025-10-27 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-27 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 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 2025-10-27 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:
I was a victim to equifax data breach settlement engagement number b023677 law 15 usc 1681 c-2. I didnt authorize these accounts to be opened. Fcra 605b -1681 c-2 can you please remove the following accounts off of my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MA

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 prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally financial is reporting my account is in collections, and I never missed XXXX payment but on my credit report it shows almost all C for collection, ive contacted them at least XXXX  times and they still are reporting it to the credit bureaus as its in collection but its not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. 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 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