vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is XXXX missing Credit account which is not showing in my Equifax report but this account is showing on my XXXX and XXXX. i have reached out to Equifax by sending them mails total XXXX times in past few months. 
but not even once Equifax get back to me or fix the issue Also see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting by TransUnion XXXX  Account I am submitting this complaint regarding an inaccurate account reported on my TransUnion credit report. The account in question is listed under XXXX with the partial account number XXXX. It is negatively impacting my XXXX XXXX and is marked as derogatory. 

The account details are as follows : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$500.00} Original Creditor : XXXX XXXX XXXX XXXX Status : Derogatory Account Responsibility : Individual I believe this account has been inaccurately reported in violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

I submitted a dispute with TransUnion on [ date ] requesting an investigation and correction of this error. Additionally, I contacted XXXX  and XXXX XXXX XXXX  XXXX, but the issue remains unresolved. This inaccurate reporting has significantly damaged my credit score.

I am requesting an immediate and thorough investigation. Please provide a clear explanation of the investigation findings and take corrective action to remove or correct the inaccurate information.

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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting by Experian Resurgent Receivable Account I am submitting this complaint regarding an inaccurate account reported on my Experian credit report. The account in question is listed under Resurgent Receivable and is negatively impacting my credit score. Despite my dispute request, this account remains unresolved. 

The account details are as follows : Balance : {$500.00} Highest Balance : {$760.00} Opened : XX/XX/year> Status : Open Responsibility : Individual Account Remarks : Consumer disputes- reinvestigation in progress Original Creditor Name : No Information Provided I believe this account has been inaccurately reported in violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain and report only accurate information. The lack of details regarding the original creditor raises concerns about the accuracy and validity of this account. 

I have already initiated a dispute with XXXX, and the issue remains unresolved as indicated by the reinvestigation in progress status. The continued reporting of this account with a derogatory status is unfairly harming my credit score.

I request the following resolution : 1. Complete and Fair Investigation : Conduct a thorough investigation into the validity of this account.

2. Removal or Correction : If the account can not be verified or is confirmed to be inaccurate, I request its immediate removal from my credit report. 3. Updated Credit Report : Provide me with an updated credit report re
flecting any necessary corrections or removals.

4. Explanation of Findings : Deliver a detailed explanation of the investigation results and the actions taken.

5. Notification to Other Bureaus : If applicable, notify XXXX and XXXX of any corrections made. 

I have attached supporting documents, including a copy of my credit report highlighting the account in question. Please confirm receipt of this complaint and keep me informed of any updates. 

Thank you for your 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 2025-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It is like dealing with a loan shark. They are so desperate to get every penny from the consumer. Havent used my XXXX card in a while. Bought a washer dryer for XXXX paid it in full the very first month, but because payment didnt post on the due date they charged me for late fee, statement fee, and interest for XXXX months on both. I don't even think they gave me the 5 % discount that XXXX  promises when you use their card. I did not know that XXXX had switched to XXXX since my last purchase or I would have used another card. Terrible service.

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 2025-03-22 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: GA

Complaint narrative:
My friend and former room mate used my private and personal information to open accounts and loans without my permission or knowledge. I did not open these accounts, These accounts I am disputing are not mine, Please remove these right away from my credit. I would like my dispute handled correctly also, I have major concerns about this because of the pending litigation against the credit bureaus by the CFPB. I read that the CFPB is suing the bureaus due to their failure to properly handle disputes. Please handle mine in accordance with the provisions of the lawsuit, otherwise I am very happy to have the CFPB add my claim to their lawsuit.

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 2025-03-22 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: CO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Self Financial Inc.
State: GA

Complaint narrative:
These accounts is inaccurate and has been paid off on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
I am filing this complaint against Columbia Debt Recovery, LLC d/b/a Genesis and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX concerning the unlawful collection and credit reporting of a debt that has been fully resolved through a legally binding Settlement Agreement and Mutual Release. 

In XX/XX/year>, I entered into a formal settlement agreement with XXXX XXXX XXXX XXXX regarding a residential lease dispute ( XXXX XXXX Case No. XXXX XXXX XXXXXXXX ). Under this agreement, both parties mutually released each other from all claims relating to the lease, including any outstanding rent or damages. The landlord explicitly agreed not to pursue any further action or collection upon my timely vacating the premises, which I completed on XX/XX/year>. The agreement was signed and executed by both parties. 

Despite full compliance on my part and a clear mutual release of claims, Columbia Debt Recovery d/b/a Genesis reported this settled balance as a collection account to the credit bureaus, including XXXX, XXXX and XXXX. This action directly contradicts the legally binding agreement and constitutes : Breach of contract ( by the landlord or their agents ) Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) The collection account is inaccurate, misleading, and harmful to my credit profile. 

I request that the CFPB require both entities to : 1. Immediately remove the invalid collection account from all credit bureaus.

2. Cease all collection activity related to the settled lease.

3. Provide written confirmation that the matter is fully resolved.

If the matter is not corrected promptly, I reserve the right to pursue legal action against all responsible parties. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am filing this formal complaint against the inaccurate and misleading reporting of an account listed as XXXX XXXX on my credit reports with TransUnion, Experian, and Equifax.

ACCOUNT DETAILS : Account Type : Installment ( Secured Loan ) Date Opened : XX/XX/XXXX Reported As : Closed/Paid High Credit : {$1900.00} Balance : {$0.00} Account Status : Current Date Last Active : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Last Reported : XX/XX/XXXX ( TU/EX ), XX/XX/XXXX ( EQ ) VIOLATIONS IDENTIFIED : Furnishing Inaccurate Information FCRA 623 ( a ) ( 1 ) ( A ) : The account status is marked as Current even though the account is closed and paid in full. Reporting a closed account as " current '' is inaccurate and misleading to creditors and violates your duty to report complete and accurate information.

Inconsistent Reporting Across Bureaus : TransUnion and Experian list the Closed comment but still report the payment status as Current.

Equifax states Closed or paid account/zero balance Secured, which aligns more accurately with the accounts actual condition. These inconsistencies suggest incomplete and conflicting reporting practices, which affect my credit profile unfairly.

Potential Re-aging and Misreporting of Activity Dates FCRA 605 ( c ) : The " Date Last Active '' and " Date of Last Payment '' are shown as XX/XX/XXXX, even though the loan originated in XX/XX/XXXX and was paid within 20 months. This could be a case of re-aging, which is prohibited under the Fair Credit Reporting Act as it artificially extends the reporting period and harms my credit unfairly.

Failure to Update Information FCRA 623 ( a ) ( 2 ) : This account has not been updated accurately to reflect its closed and paid status across all bureaus, with improper payment history reporting that implies the account is still in active repayment status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
In XXXX, XXXX XXXX  sold my account to Selene Finance, LP. during the time being, I continuing paying my monthly payment for the amount of {$1000.00} without interruption. No escrow account is needed because I pay my flood and homeowner insurance as well my property taxes. 

After several times to attempt to solve the misunderstanding with Selene Finance, LP I was forced to look for legal service help. XXXX XXXX XXXX approved to assist me. XXXX XXXX XXXX was hired to represent me against Selene Finance, XXXX in XX/XX/XXXX. His telephone number is XXXX. ( see the XXXX letters downloaded ) XXXX XXXX XXXX has been writing to Selene Finance, LP by electronically, by mail and phone calls. Conference calls have been done in XXXX occasions. We sent all of the request forms by emails. I received a certified letter NOTICE OF DEFAULT XXXX. I sent it to my lawyer immediately. I notice also that I received another NOTICE of DEFAULT in the year XXXX. Finally, I received the same day a letter stating that my flood insurance has been expired which immediately my lawyer sent the third letter and the flood insurance declaration page from XX/XX/XXXX to XX/XX/XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
on XX/XX/XXXX someone sold XXXX $ which was my paycheck from my XXXX XXXX XXXX  account and its barely the XXXX and told me that they are sending a letter and will be received on the XXXX of XXXX, i will keep you guys updated, my name is XXXX XXXX XXXX im a XXXX old XXXX  student, i will keep you guys updated please call 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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Credit cards as well as bank accounts were opened in my name. Several credit cards that were fraudulently opened in my name were also added. Having a sum of more than {$2000.00}, he also opened a checking account with Wells Fargo Bank ; I discovered that this account was mentioned as a hard inquiry on my credit report. Along with a XXXX account or credit card balance of {$3300.00}, my credit report shows a Wells Fargo credit card with a balance of more than {$6000.00}. I never opened a bank account or credit card under my name. Looking over my credit report, I saw other banks opened under my name. There was a XXXX XXXX, but I never had XXXX. Along with opening a bank with XXXX with a sum in that account past due of {$4200.00}, he also had a XXXX XXXX and a XXXX credit card valued roughly at {$2600.00}. When I visited to register a bank account, they informed me that they had a crazy bank account with almost {$4000.00} already. Due to the person exploiting my information to open accounts, there are roughly XXXX bad accounts in total that are fraudulistically open under my name. I froze my credit record and keep a close eye on it ; I have also reported identity theft after XXXX to XXXX, XXXX, and XXXX and sent in a police report. They returned to me claiming that all those accounts are my responsibility and can not be deleted. I do not owe any of those firms ; those records must be taken off from my credit report. I opened none of those accounts.

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Subject : Complaint Against Barclays Bank for Mishandling Dispute and Poor Customer Service Dear Sir/Madam, I am filing a formal complaint against Barclays Bank US ( Barclays Bank Delaware ) for its failure to properly handle a fraudulent transaction dispute and for the poor treatment I received from its investigation department. 

On XX/XX/year>, a charge of {$170.00} appeared on my Barclays credit card for a product that I never received. I attempted to contact the merchant using the phone number provided with the transaction, but no one ever answered my calls. This raises serious concerns that the charge may be linked to a scam or fraudulent business. 

I immediately contacted Barclays to dispute this charge. However, despite calling the bank more than XXXX times, I have not received any resolution. Each time, an agent assured me that my case was under review and that I would receive a follow-up call, yet no one ever contacted me as promised. When I finally spoke with the banks investigation department, I was met with disrespectful and dismissive behavior, rather than assistance. Instead of conducting a fair investigation, Barclays has refused to acknowledge my concerns and has failed to take any meaningful action to resolve my dispute. 

Due to Barclays ' negligence and failure to protect consumers, I am requesting that your agency investigate this matter and take action to ensure that : Barclays properly investigates my dispute and reverses the fraudulent charge in accordance with federal consumer protection laws. 

The banks representatives are held accountable for their unprofessional and disrespectful behavior toward customers. 

Barclays is required to improve its dispute resolution process to prevent similar incidents from happening to other consumers. 

I request a prompt review of my case and would appreciate any updates on how your agency plans to proceed. Please confirm receipt of this complaint and inform me of any additional steps I need to take. 

Thank you for your time and assistance. 

Sincerely,

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 2025-03-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Heres a dispute letter template you can use to challenge the collection accounts with the XXXX major credit bureaus ( Experian, XXXX, and XXXX ). Be sure to customize it with your details. 

-- - **Credit Bureau Name** [ Experian, XXXX, XXXX XXXX ] [ Address of the Credit Bureau ] **Subject : Dispute of Inaccurate Information on Credit Report** Dear [ Experian/XXXX ], I am writing XXXX formally dispute inaccurate information on my credit report. I recently reviewed my report and found errors related to collection accounts listed under XXXX XXXX XXXX. I am requesting that these accounts be investigated and removed if they can not be verified. 

The disputed accounts are as follows : 1. **Original Creditor : ** XXXX XXXX XXXX XXXX XXXX : ** {$1200.00} XXXX. **Original Creditor : ** XXXX XXXX XXXX XXXX  **Balance : ** {$490.00} XXXX. **Original Creditor : ** XXXXXXXX XXXX XXXX XXXX XXXX : ** {$920.00} These accounts contain incorrect, outdated, or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these items and provide evidence of their validity or remove them from my credit report. 

I have attached copies of my identification and a copy of my credit report highlighting the disputed accounts for reference. Please provide me with the results of your investigation in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX ---

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
Loan agreement was not what was agreed on verbally. Initially the loan agreement was not visible so they submitted to me again in text. I am paying over {$3000.00} for a {$600.00} dollar cash advance loan. Agreed XXXX  pay next pay check XXXX XXXX being charged lining since XX/XX/year> for a XXXX dollar loan being told I need to pay an addition XXXX dollars for early pay off. Equivalling over XXXX dollars for a cash advance check loan agreement. 
Now its an unveiwable link which I have proof off and screenshots. 
XXXX weeks later they sent another email stating they could not XXXX me my loan, yet put XXXX in my account XXXX have been charging me over the amount agreed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this formal complaint regarding an account reported on my credit file by XXXX  ( Student Loan, Account # : XXXX ), which is currently being reported by TransUnion and Equifax .

Violations and Issues Identified : FCRA 605 ( a ) This account is obsolete, as the last activity occurred in XXXX, over XXXX  years ago. It must be deleted immediately from my report.

Inconsistent Reporting Dates TransUnion reports the last update as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. These dates conflict, indicating inaccurate and incomplete information, which violates FCRA 602 ( A ) and 607 ( b ).

Dispute Comment Violation ( FCRA 611 ) TransUnion continues to report Dispute resolved ; reported by grantor, which is misleading and should have been removed once the dispute was resolved. This affects how future lenders view the account.

FERPA Violation & Privacy Breach Given credible reports that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  ) were given unauthorized access to XXXX XXXX XXXX systems, there is now reasonable concern that my private educational financial records were accessed or exposed without consent. This potential FERPA violation warrants immediate deletion of any related educational accounts, including this one. 
I am requesting this account be deleted immediately from my credit file due to the violations listed above. I expect a prompt and lawful resolution in accordance with the FCRA and CFPB guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief