vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
Subject : Formal Complaint - Inaccurate XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Program To Whom It May Concern, On XX/XX/XXXX, I applied for credit and home improvement financing through Synovus Bank XXXX XXXX XXXX XXXX XXXX, operating under the XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. As part of their application process, I was informed that a hard credit inquiry was conducted with XXXX. 

I was subsequently approved for financing at an interest rate of 22.99 %, based on a reported XXXX XXXX XXXX of XXXX. However, I diligently monitor my XXXX XXXX with all three major credit bureaus, including XXXX. According to XXXX 's direct reporting, my XXXX XXXX has consistently been well above the XXXX range for over a year. 

This discrepancy strongly suggests that XXXX XXXX XXXX has XXXX my XXXX XXXX to justify a significantly higher interest rate. This constitutes predatory lending practices and a clear manipulation of my credit information. 

I immediately reported this issue to a customer service representative at XXXX and was assured that the matter would be investigated, and I would receive a callback. This callback has not occurred. Furthermore, despite my offer to provide direct evidence of my accurate XXXX XXXX XXXX ( copies of which are attached ), I was told it was unnecessary. To date, no correction has been made to my account, and the inaccurate interest rate remains in effect XXXX. 

As a XXXX individual, my credit and financial resources are extremely limited. I am deeply concerned about the potential financial harm caused by this misrepresentation. 

I demand immediate : An internal investigation into this matter. 
A correction of my account to reflect the accurate interest rate based on my actual XXXX XXXX XXXX. 
Written confirmation of the correction. 
A formal apology for the misrepresentation and the lack of timely response. 

I expect a response within XXXX business days. If this matter is not resolved satisfactorily, I will pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney General 's office. 

Sincerely, XXXX XXXX ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-10 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-10 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: TX

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my XXXX and Experian credit report and I noticed some late payments on there. Original Creditor : XXXX  XXXX XXXX  Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give your company written permission to furnish these late payments on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. Im giving your company 15 days to delete these late payments from my credit report. Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15 USC 1681n Best regards, 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 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: WA

Complaint narrative:
XXXX did not provide a properly authenticated Notice that complies with the State of Washington Uniform Commercial Code. Their failure to do so makes the deficiency balance uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
" 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 explanation
Consumer complaint received 2025-04-10 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: TN

Complaint narrative:
on this account XXXX XXXX XXXXXXXX XXXX XXXX the account was paid in full, with no late fees, no late payments, and had a XXXX balance. I then closed the account. the credit card company is and has reported this account to Transunion under " accounts with adverse information '' I requested they remove it from that or remove it from my credit report altogether and they have refused to do so. IN RETURN TRANSUNION HAS DONE NOTHING TO FIX THIS. XXXX KEEPS REFERRING ME TO TRANSUNION AND TRANSUNION KEEPS REFERRING ME TO XXXX. A CONTINUOUS RUN AROUND IS WHAT I'M GETTING. 

TRANSUNION, EXPERIAN, AND EQUIFAX ALL HAVE REFUSED TO REMOVE THIS FROM THE NEGATIVE REPORTING, WHEN IN FACT IT WAS PAID CLOSED NEVER LATE, AND NOT INCLUDED IN A BANKRUCTY.

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 2025-04-10 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: TN

Complaint narrative:
on this account XXXX XXXX XXXXXXXX XXXX XXXX the account was paid in full, with no late fees, no late payments, and had a XXXX balance. I then closed the account. the credit card company is and has reported this account to Transunion under " accounts with adverse information '' I requested they remove it from that or remove it from my credit report altogether and they have refused to do so. IN RETURN TRANSUNION HAS DONE NOTHING TO FIX THIS. XXXX KEEPS REFERRING ME TO TRANSUNION AND TRANSUNION KEEPS REFERRING ME TO XXXX. A CONTINUOUS RUN AROUND IS WHAT I'M GETTING. 

TRANSUNION, EXPERIAN, AND EQUIFAX ALL HAVE REFUSED TO REMOVE THIS FROM THE NEGATIVE REPORTING, WHEN IN FACT IT WAS PAID CLOSED NEVER LATE, AND NOT INCLUDED IN A BANKRUCTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CT

Complaint narrative:
I never gave this company permission to access or pull my credit report. I did not apply for anything with them, I didnt authorize a credit check, and I have no prior relationship with this business whatsoever. This was done without my knowledge or consent, which makes it an unauthorized and completely unacceptable inquiry. My personal credit information is not free for the taking, and I take unauthorized access to it very seriously.

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 2025-04-10 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I am filing this complaint because Shellpoint Mortgage Servicing, through its attorney XXXX XXXX XXXX, issued a notice of a postponed foreclosure sale scheduled for XX/XX/year>. This is despite my official approval under HUDs XXXX XXXX XXXX, with foreclosure protections effective XX/XX/year>. I called Shellpoint on XX/XX/year>, at XXXX XXXX CDT, and the representative confirmed no foreclosure sale is scheduled in their system. I sent formal letters to Shellpoint and the attorney, and I contacted HUD for help. The conflicting information and continued foreclosure actions are causing distress and may violate federal servicing rules and HUD protections. I am asking for federal intervention to stop any improper foreclosure activity 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
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-04-10 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:
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 2025-04-10 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: TX

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this, there are a multitude of accounts on my consumer file as a result of this. Per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A.
State: OH

Complaint narrative:
The original company was XXXXXXXX XXXX XXXX which they sold and also has a charge off on my credit report. sold to a third party company Messerli & Kramer PA .the account was opened on XX/XX/XXXX an was sold on XX/XX/XXXX in the amount of {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: AL

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 2025-04-10 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Received letter from XXXX XXXX XXXX XXXX XXXX requesting XXXX on behalf of XXXX XXXX. I contacted XXXX on XX/XX/year> via phone and was told to I could dispute debt by XX/XX/year>, contacted XXXX again on XX/XX/year> requesting to provide me validation of this debt unfortunately XXXX were not able to provide documentation. According to XXXX XXXX XXXX ( XXXX ) if a consumer disputes negative information on credit report and bureaus do not remove in, the arbitration process to get {$1000.00} for each negative item without having to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i have had several accounts that were opened without my knowledge .I have been a victim of identity XXXX/ XXXX. I have listed below the accounts that were opened fraudulently in my name. 
Capital One Account # XXXX Date Opened XXXX XXXX Balance {$1200.00} XXXX XXXX  Account # XXXX Date Opened XXXX XXXX Balance {$15000.00} XXXX XXXX  Account # XXXX Date Opened XXXX XXXX Balance {$36000.00} Regional XXXX XXXX  Account # XXXX Date Opened XXXX XXXX Balance {$6100.00} XXXX XXXX Date Opened XXXX XXXX Balance {$1300.00}

Company response to consumer: Closed with explanation