vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I disputed this account before, but inaccuracies and incomplete reporting remain. I now request the description of procedures you used in your reinvestigation. You are required to provide this within 15 days ; otherwise, the disputed accounts must be deleted. Please see the attached letter requesting the description of procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good afternoon, This transaction happened in XX/XX/2024. It was an XXXX fraudulent transaction of {$1800.00}. I contacted capital one right away, and they informed me that since I have my card in my possession, I made the charge myself and nothing could be done. During this time, I was living abroad, and someone must have grabbed my card information down when paying for something and used it on the website. Capital one would not provide me information on how the payment was done, either through physical card or mobile payment, and would also not even investigate with XXXX to see what location it was booked to. On my bank statement for XXXX you can clearly observe me using my card at different locations in XXXX, XXXX. I was not traveling during that time, making it impossible to book an XXXX somewhere else. Capital one basically told me there is nothing to do, and that I lost that money. Which is very unprofessional. They offer XXXX protection to their clients. Throughout the months, I have been getting in contact with them to resolve, but they are of no help and their senior manager can't do anything about it. I work very hard for my money and this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an alleged debt of around {$760.00} through synchrony bank. It was then bought or allowed to be collected by XXXX XXXX XXXX I then sent a letter of cease and desist to both them and synchrony requesting verification of all the account, payments ect. through certified mail. I never received any info or mail back on the account from either sources. I then went again my better judgement and paid the settlement in full for less than thr ballance owed allegedly. My XXXX, and XXXX  both reflect a XXXX ballance now on the synchrony care credit account. However, they have not updated with XXXX. I have disputed it with XXXX  more than once after paying and providing proof of XXXX ballance just for them to not investigate properly and complete the dispute with no changes to the account.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : XXXX. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1000.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
Im filing a complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate and/or unverifiable information and for failing to conduct a reasonable reinvestigation under the FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ) ). I previously disputed these items with each bureau by certified mail and included supporting documents, but the same inaccurate data remains. 
Items in dispute ( acct # XXXX shortened ) : XXXX XXXX XXXX  XXXX : Bureaus show conflicting XX/XX/XXXX history ( TU XXXX late vs. EQ on-time ). I have never been 30 days late since opening in XXXX. Please remove the inaccurate late or delete the tradeline. 
XXXX XXXX ( XXXX XXXX ) XXXX : Paid in full; alleged XXXX lates are inaccurate ; transaction involved misrepresented terms. Please delete or correct. 
XXXX XXXX XXXX : Not mine. Creditor indicated no record under my SSN. Please delete. 
XXXX XXXX XXXX : Not recognized ; creditor had no record under my SSN. Please delete. 
XXXX XXXX XXXX : Same as above. Please delete. 
XXXX XXXXXXXX : Not mine ; creditor confirmed no record under my SSN. Please delete. 
Requested action : Require each bureau to conduct a reasonable reinvestigation using original creditor documentation only ( not generic e-OSCAR responses ) ; delete any item that can not be verified ; provide the method of verification ( name, address, phone of furnisher ) ; mark items in dispute during reinvestigation ; and send me updated reports and, at my election, notify prior users of my report per 1681i ( d ). Prior disputes, XXXX receipts, ID, address proof, creditor letters, and highlighted reports are attached.

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 2025-08-28 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:
Im filing a complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate and/or unverifiable information and for failing to conduct a reasonable reinvestigation under the FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ) ). I previously disputed these items with each bureau by certified mail and included supporting documents, but the same inaccurate data remains. 
Items in dispute ( acct # XXXX shortened ) : XXXX XXXX XXXX  XXXX : Bureaus show conflicting XX/XX/XXXX history ( TU XXXX late vs. EQ on-time ). I have never been 30 days late since opening in XXXX. Please remove the inaccurate late or delete the tradeline. 
XXXX XXXX ( XXXX XXXX ) XXXX : Paid in full; alleged XXXX lates are inaccurate ; transaction involved misrepresented terms. Please delete or correct. 
XXXX XXXX XXXX : Not mine. Creditor indicated no record under my SSN. Please delete. 
XXXX XXXX XXXX : Not recognized ; creditor had no record under my SSN. Please delete. 
XXXX XXXX XXXX : Same as above. Please delete. 
XXXX XXXXXXXX : Not mine ; creditor confirmed no record under my SSN. Please delete. 
Requested action : Require each bureau to conduct a reasonable reinvestigation using original creditor documentation only ( not generic e-OSCAR responses ) ; delete any item that can not be verified ; provide the method of verification ( name, address, phone of furnisher ) ; mark items in dispute during reinvestigation ; and send me updated reports and, at my election, notify prior users of my report per 1681i ( d ). Prior disputes, XXXX receipts, ID, address proof, creditor letters, and highlighted reports are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I submitted for XXXX benefits with a XXXX state ( Ohio ) in XX/XX/year>. On XX/XX/XXXX I received an email about needing proof of residency. I mailed in a copy of my drivers license and had not heard back. The beginning of XX/XX/year> I called customer service and the man I spoke to resubmitted my XXXX application. I got an email today XXXX XXXX that my XXXX application had been denied due to my account being opened after XXXX XXXX start date. I called customer service again and was told I can not combine XXXX, and XXXX benefits. I told the representative I was going to do some research and call back. I called back about XXXX benefits and was told its for accounts opened prior to XXXX XXXX start date and I dont qualify, but my case is still open. I have provided proof of residency with my drivers license, I told the representative I am able to provide my XXXX which shows I pay Ohio taxes, as well as my vehicle registration for Ohio. I was informed by the representative that American Express follows the federal guidelines and not state guidelines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 


Account # : XXXX XXXXXXXX XXXX XXXX XXXXXXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XXXX XXXX ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

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 2025-08-28 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
A company identifying itself as XXXX has been contacting my family members repeatedly, even after I explicitly told them to stop. They have called my parents multiple times trying to reach me, which violates the Fair Debt Collection Practices Act since third-party contact is not allowed beyond location information. 
In addition, they have been harassing me directly with excessive phone calls as many as 9 calls per day for over a year. This constant harassment and refusal to honor my request to stop contacting my family has caused significant stress. 
I am requesting that XXXX immediately cease all communication with my family members and limit all contact to me directly.

Company response to consumer: Closed with explanation