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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 t

he 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. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed witho
ut my expressed written consent.

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: 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 ( XXXX XXXX XXXX ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
To whom it may concern, I am looking for help expediting my buy buy request for PSLF. I have applied for buy back for PSLXXXX on XX/XX/XXXX which marked 10 years of qualified employment. I need to buy back the months that i was placed on an involuntary forbearance while being in the SAVE plan. I have applied to switch to a different plan several times including XX/XX/XXXX, XXXX and XX/XX/XXXX both on paper and electronically though student and and XXXX and nothing has worked. 
I have spoken to both XXXX and student aid many many times and have sent multiple messages only to get nowhere. 
With payments and interest resuming XX/XX/XXXX I would really appreciate any help getting my buy back for PSLF expediated so that I can pay off my loans. 

The stress and the financial uncertainty are really taking a toll on my job and family. I have XXXX kids that I need to plan and budget for. All of these delays and changes are confusing and unreliable. Please help me expedite by buy back request

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit 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 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: Experian Information Solutions Inc.
State: KY

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
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: FL

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

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: TX

Complaint narrative:
I submitted a legally valid dispute to all credit reporting agencies regarding an account reported by - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the FCRA 1681i, they are required to conduct a reasonable reinvestigation and delete unverifiable, outdated, or inaccurate data.

To date, they have failed to provide validation or remove the disputed tradeline. This violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ). I have attached my original dispute letter.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am filing this complaint against Synchrony Bank/CareCredit due to repeated deceptive billing, inconsistent reporting, unresolved disputes, and emotional distress caused by intentionally evasive practices.

Details : Synchrony Bank has failed to resolve my dispute regarding unauthorized XXXX XXXX charges. They refunded {$1000.00}, but never accounted for the original {$4300.00} balance. I have asked for : A complete billing history dating back to XXXX A line-by-line reconciliation of ALL charges and reversals since this active dispute Closure of the account and a {$0.00} balance Removal of derogatory reporting Instead, I have received : Two conflicting letters dated XX/XX/XXXX ( one stating the balance is accurate, the other admitting it excludes disputed charges ) A vague letter on XX/XX/XXXX saying only that my inquiry was referred to another department An email that same day showing a - {$640.00} credit, again with no explanation * * * * Internally, in the Synchrony system ( as of today XX/XX/XXXX ) Synchrony reports my balance to be negative {$530.00} These types of credit shifts have happened multiple times. Synchrony never explains which charges were refunded, removed, or re-added. They send automated statements but no meaningful documentation. At this point, this appears to be a calculated effort to exhaust and confuse the consumer. Please refer to the updated timeline attached that I documented all of their unlawful actions. 

This behavior is illegal under : The Fair Credit Reporting Act ( FCRA ) The Truth in Lending Act ( TILA ) The Connecticut Unfair Trade Practices Act ( CUTPA )

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 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. 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 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 — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
Tried making payment at store ti pay credit card. Associates didnt know how to accept payment to apply to balance.

Tried logging in to account to pay but account was locked multiple times.

Due to this, I paid off balance one day late and now my credit score is wrecked. I believe they make it hard for consumers to pay the credit card so they can have more late fees

Company response to consumer: Closed with 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: 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: LA

Complaint narrative:
Reached out to Pioneer Military Credit to enact my SCRA benefits for being XXXX XXXX military in the XXXX XXXX XXXX. I reached out twice and even provided proof of Louisiana state law that says SCRA should be applied for XXXX XXXX  even after entering service. Most recently, they denied me today, XXXX XX/XX/XXXX. See below for what I sent to them. 

Good morning, I am submitting my request to utilize the state of Louisiana 's SCRA benefits and have it applied to my accounts XXXX and to have them reduced to 6 % or less. I have been XXXX XXXX since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, Louisiana, XX/XX/XXXX. Please see attached XXXXXXXX XXXX and let me know if you require anything further. Thank you. 

Louisiana XXXX XXXX expands this for anyone on XXXX XXXX ( including orders in-state ), capping interest at 6 % on debts even incurred after entry to service. 
XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally raise concerns regarding the recent resumption of interest accrual on my federal student loans effective XX/XX/XXXX. The U.S. Department of Education provided insufficient notice about this change, leaving borrowers like myself with inadequate time to prepare financially or adjust repayment plans. 

I am a teacher and have been working towards Public Service Loan Forgiveness ( PSLF ). However, due to the mismanagement of my loans and the recent abrupt resumption of interest, my progress toward PSLF has been put on hold. Since the SAVE plans pause in XX/XX/XXXX due to legal challenges, MOHELA my loan servicer has still not accurately reflected my loan balances nor approved my Income Driven Repayment ( IDR ) plan applications. This ongoing issue has caused confusion and financial hardship. 

The Department announced the resumption of interest accrual in XX/XX/XXXX, with interest set to restart on XX/XX/XXXX. This short timeline did not provide sufficient opportunity to adjust repayment strategies or transition plans effectively. 

The combination of these factors abrupt interest resumption without adequate warning and servicer errors has created significant and avoidable difficulties. I respectfully request that the Department of Education and relevant agencies investigate these issues, provide clearer communication, and offer meaningful relief or assistance to borrowers impacted by these failures. 

Thank you for your time and consideration. I look forward to a prompt response addressing these serious concerns.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
I am filing this complaint against LVNV Funding regarding their handling and reporting of an alleged debt that originated with XXXX. 

Key facts : LVNV began charging interest only after a deceptive phone call with a so-called referee, falsely implying legal or arbitration proceedings. 

I never received nor agreed to any new terms in writing, nor was any contract provided authorizing new or ongoing interest charges. 

The alleged debt was opened on XX/XX/year>, making it more than XXXX XXXX XXXX and time-barred under New Mexicos 4-year statute of limitations for consumer debt collection. 

XXXX, the original creditor, no longer operates in New Mexico ( XXXX XXXX XXXX  ), raising further doubts about the legal enforceability of the debt. 

I have formally disputed this debt with LVNV ( XXXX XXXX XXXX ), and my credit reports are marked as disputed, but LVNV continues to report the account as open with an increasing balance and is still adding unauthorized interest. 

LVNV is listing itself as the original creditor, which is inaccurate and misleading, as they are a debt buyer.

The ongoing reporting of this inflated, disputed, and time-barred balance is causing harm to my credit profile and appears to violate both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: EQUIFAX, INC.
State: MS

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Arcon Credit Solutions LLC
State: OR

Complaint narrative:
Two letters were sent to my sisters address in XXXX Nevada. One phone call, threatening to put a judgment against my wages.

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: AL

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