vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX 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 ( XXXX ) and the Truth in Lending Act ( XXXX  ), 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 non-monetary relief
Consumer complaint received 2025-07-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX 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 ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
XXXX XXXX {$780.00} I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
XXXX. Date of Transaction XX/XX/XXXX XXXX. The amount borrowed was {$3300.00}. So far, I have paid TITLEMAX over {$10000.00}. 
XXXX. The business has committed to providing me with a loan with good terms as they advertised. TITLEMAX has advertised that an easy way to solve some financial problems is by getting a title loan. 
XXXX. The nature of the dispute is that I feel as though TITLEMAX has PREYED upon my vulnerability by charging me excessive fees. My payoff amount is now {$3700.00} which is more than the borrowed amount. With a high APR of 152.08 % that means my monthly interest rate and payments averages around 12.67 % which is more than the 12.5 % allowed under Title 44 - PROPERTY ( 44-1-1 - 44-17-7 ) Section 44-12-131. The original loan amount of {$3300.00} multiplied by 152.08 % equates to {$5100.00} per year. For example, {$5100.00} multiplied by the 2 years that I have been paying on the loan equates to {$10000.00} which is now 3 times more than what I borrowed, and their contract does not state that. TITLEMAXS contract does not state in a conspicuous manner that I will have paid {$5100.00} per year nor does their contract conspicuously state that I would have paid {$10000.00} if the loan is not paid off in 2 years. For the record, I have been paying on this contract for 2 years and in no time soon, will the pawn be paid off. 
5. The business has not tried to resolve the issue. I repeatedly received threats that my vehicle will be repossessed if I dont make payments on time. In addition, I can only make payments in Georgia. I travel to my church in Alabama 2 times per month which sometimes causes issues making payments.

6. I feel as though the issue involves advertising because TITLEMAX advertises that its easy to get a title loan to resolve financial issues. That is false advertisement because getting a title loan from TITLEMAX has put me in more debt than they originally advertised.

7. Please see the attached document explaining the entire process. Thank you. All documentation can be provided if needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
My Equifax report is showing XXXX accounts I never opened. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NH

Complaint narrative:
On XX/XX/2025, I noticed a collection account from Jefferson Capital Systems on my XXXX. 
Jefferson Capital Systems reported a debt on my credit report without ever contacting me. I was not notified by phone, mail, or email, and I never received any validation of this debt as required by the Fair Debt Collection Practices Act ( XXXX  ). I only found out when I reviewed my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I had requested a quote for new phone service from XXXX XXXX this included a transfer of my previous phone number to the new provider, XXXX. The original phone number was never transferred from my previous provider, XXXX, to XXXX. Despite this, XXXX charged me for services not provided. I had disputed these charges as no services were ever provided and no record of services being provided were ever issued by XXXX. Despite no record of any active account with XXXX, they sent this account to collections. 

Once in collections, I had disputed the debt in XX/XX/year> immediately after receiving the notice from the debrt collector - despite all of this, Source Receiveables Management has submitted the " debt '' as delinquent creating a significant impact to my credit score. 

Now, I must recover the XXXX point reduction in my XXXX credit score. 

Tracking number XXXX is from the collections group Source Receivables Management

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX student loans on my account that does not belong. I do not have any student loans. This Is in violation of FERPA family education right and privacy 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX student loans on my account that does not belong. I do not have any student loans. This Is in violation of XXXX family education right and privacy 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 non-monetary relief
Consumer complaint received 2025-07-06 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: KS

Complaint narrative:
Rebuttal to CFPB Complaint XXXX XXXX XXXX Equifax This is a formal rebuttal to the response provided by XXXX XXXX and/or Equifax regarding my initial complaint concerning the inaccurate and unauthorized XXXX  XXXX account ending in XXXX still appearing on my Equifax credit report. In their response, the company claimed they require additional identification or documentation to proceed. However, I already submitted all necessary materials with my original CFPB complaint. These included a government-issued photo ID, my Social Security card XXXX verified proof of address, an FTC Identity Theft Affidavit identifying the XXXX  XXXX account as fraudulent, and current credit reports from all three major bureausnone of which reflect this XXXX  XXXX account on XXXXxperian or TransUnion. 
According to the Fair Credit Reporting Act, specifically Section XXXX ( XXXX U.S.C. XXXX ), once a consumer submits proper identity verification and a valid identity theft report, both the credit reporting agency and the furnisherin this case, Equifax and XXXX XXXX required to block the fraudulent information within XXXX business days. That statutory deadline has already passed, yet this XXXX XXXX account ending in XXXX continues to report on my Equifax file, damaging my credit profile and subjecting me to ongoing harm. 
It is clear from the documentation already provided that this account is fraudulent, has been properly disputed, and is not appearing on my other credit reports. XXXX XXXX and XXXX continued refusal to remove the account or comply with their obligations under the FCRA constitutes a willful failure to act in accordance with federal law. 
I am requesting immediate and permanent deletion of the XXXX  XXXX account ending in XXXX from my Equifax credit file, written confirmation of that deletion, and supervisory review of this matter by the CFPB due to the noncompliance and delay. I am also requesting monetary compensation for the significant damage to my credit standing, emotional distress, and financial opportunities lost as a direct result of their failure to act. 
This issue has now gone beyond a routine dispute and represents clear noncompliance with the FCRA, and I urge the CFPB to take appropriate enforcement measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a GE XXXX worth ~ {$3900.00} from XXXX XXXX XXXX in XX/XX/XXXX using Synchrony Banks 0 % APR promotional financing. I enrolled in auto-pay and consistently paid the monthly amount calculated by XXXX system. 

The promotional period ended on XX/XX/XXXX, but I was never clearly notified of the deadline or that I needed to pay the full balance to avoid deferred interest. In the XX/XX/XXXX billing statement, Synchrony applied {$2100.00} in retroactive interest, dating back to the original purchase date. 

I only realized these interest charges in XX/XX/XXXX, and by then, additional interest had continued to accrue each month, totaling {$3100.00}, compounding the issue. I contacted Synchrony, but they declined to reverse the charges, stating the information was in my billing statements. However, there was no proactive warning, and the auto-pay amounts they calculated gave the impression I was on track. Moreover, I dont have a record of my phone conversation with Synchrony, but they informed me that interest would continue accruing until XX/XX/XXXX, despite my balance payment. No chat or email support was available at the time. 

I also reached out to XXXX XXXX XXXX to escalate the issue. I have now paid the full balance under protest to avoid further interest. I believe Synchrony 's practices were misleading and unfair, and I am requesting a full refund of the deferred interest.

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 2025-07-06 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: LA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of all inaccurate, fraudulent, or unauthorized negative items appearing on my credit reports with Equifax, Experian, and TransUnion. I am a documented victim of the Equifax data breach that occurred in 2017, which resulted in the exposure of my sensitive personal information. Since then, I have experienced multiple unauthorized and damaging actions on my credit 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 explanation
Consumer complaint received 2025-07-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX 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 ( XXXX ) and the Truth in Lending Act ( XXXX  ), 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 2025-07-06 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: GA

Complaint narrative:
My personal information was exposed in XXXX XXXX XXXX Breach and my Identity was stolen resulting in fraudulent collections and credit card accounts being added to my report thru Equifax and Experian. 

Account XXXX. XXXX XXXX XXXX - {$820.00} Account XXXX. XXXX XXXX XXXX - {$1200.00} Account XXXX. XXXX XXXX XXXX - {$870.00} Account XXXX. XXXX  COLLECTIONS- {$220.00} Account XXXX. XXXX BANK - {$2100.00} Account XXXX. XXXX XXXX- {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MS

Complaint narrative:
I recently reviewed my credit report. I found an inquiry from a creditor who I do not give my permission to pull my credit report. Please remove this fraudulent inquiry from my credit report 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
Consumer complaint received 2025-07-06 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-06 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
On XXXX I went to XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX they are the one 's who I was supposed to be purchasing the vehicle from, but some odd reasons the XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX They pulled my credit XXXX times Look at this link https : XXXX The confirmation number is XXXX

Company response to consumer: Closed with explanation