vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
I applied for a care credit card through synchrony bank. I asked synchrony about the special no interest if paid in full within XXXX years and they said as long as paid in full no interest will be charged I asked them several times if not paid in full what would interest be and they gave me the interest rate I also asked I will not be billed any past interest and no balloon payment and they stated I would not. I asked again if it was not paid if all that would be charged was the interest rate after the XXXX  years no back interest or amounts I was told correct. I had a starting credit of XXXX which they kept lowering even though I had autopay set up. Lowering to it XXXX. The month the XXXX  year was up I was charged XXXX in interest making my balance over XXXX when I only had XXXX  left to pay off. I paid XXXX with 14 days after the XXXX  years to pay it off. I was charged triple of the actual loan I took out and they refunded me XXXX dollars. I was lied to and ended up paying ten times over what I actually took out for the card. This company should be heavily investigated for 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 monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Incomplete Collection Account Reporting-request for Deletion Dear : XXXX I am writing to dispute the accuracy of a collection account appearing on my credit report. The account shows as a Collection but does not identify the original creditor or the collection agency responsible. 

Under the Fair Credit Reporting Act ( 15 U.S.C & 1681i ), all information on the my report must be complete and verifiable. Because this account lacks identifying information, it can not be verified and must be deleted from my credit file immediately. 

Please conduct a reinvestigation and remove this unverifiable collection from my credit report. Send me written confirmation once the deletion is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 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

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 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I have been having this loans over 2 or more years and I hsve hardship and they are adding additional interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Debt Validation Alleged XXXX XXXX Account Dear XXXX XXXX XXXX I am writing in response to your communication dated XX/XX/year> regarding an alleged debt related to a XXXX XXXX  account XXXX This letter is not a refusal to pay, but a request that you validate the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so that I may determine whether I am legally obligated to pay this debt : The name and address of the original creditor ( XXXX XXXX ) ; The account number associated with the alleged debt ; The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges ; A copy of any contract or agreement bearing my signature that shows I agreed to assume this debt ; A copy of any judgment ( if applicable ) ; Proof that your company is authorized to collect debts in my state ; The date of the alleged last payment or activity on the account. 

Until you provide proper validation of this debt, please cease all collection activity, including reporting or verifying this debt with any credit reporting agencies. 

If you can not validate this debt, I request that you cease all collection efforts and remove any negative information related to this account from my credit reports. 

Please communicate with me in writing only regarding this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Dear Credit Bureaus, This letter is to dispute the reporting of XXXX XXXX XXXX, account number ending in XXXX. 

Disputed Issues : Account is reported as both Charged Off and Transferred/Sold, which is contradictory. 

Balance reporting is inconsistent, showing {$560.00} and {$0.00} simultaneously. 

This creates confusion and inaccurately damages my credit profile.

Violations : FCRA 607 ( b ) : Inconsistent and contradictory reporting violates the requirement for accuracy. 

FCRA 611 : Equifax must reinvestigate disputed information. 

FCRA 605 ( a ) ( 5 ) : Reporting may violate time limits on certain derogatory items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to express concern regarding my recent credit application ( Ref : XXXX ), which was denied despite my strong credit profile, excellent payment history, and high verified income. I was told the reason was that I have too many credit cards, which seems inconsistent, as I know individuals with more open accounts and lower income who were approved for Chase products. Having multiple well-managed lines of credit should be considered a sign of financial responsibility, not a negative factor. 

During my call on XX/XX/2025, with underwriting supervisor XXXX, I was treated in a disrespectful and unprofessional mannerhe hung up on me after refusing to transfer my call to his superior, XXXX. This behavior is unacceptable and does not align with Chases commitment to customer respect and fair evaluation. 

I respectfully request a full review of my application, an investigation into this incident, and a written response within 14 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 explanation
Consumer complaint received 2025-10-21 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 very concerned and upset about what is happening. When I checked my credit report with Experian, I found several accounts that I do not recognize and never authorized. This made me realize that someone has stolen my personal information and is using it to impersonate me. 

This situation is extremely distressing. Its not easy to deal with this kind of issue, especially when one is not very familiar with technology. I feel unprotected, overwhelmed, and unsure of what steps to take. 

I have tried to contact Experian, but I have not received the help or resolution I need. Thats why Im turning to you, hoping you can assist in investigating this situation, clearing the fraudulent accounts, and helping protect my identity.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have made several attempts to remove wrong information connected to my credit report due to fraudulent activity. The two addresses on my credit report that are inaccurate are XXXX XXXX XXXX XXXX XXXX mo XXXX, and also XXXX XXXX XXXX XXXX XXXX mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Identity Theft Notice Fraudulent Address Reporting To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of a fraudulent address that is currently reporting on my credit file. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address does not belong to me, and I have never lived at, received mail at, or been associated with this location in any capacity. I recently became aware of this false address appearing on my credit report, and I am submitting an Identity Theft Police Report along with this dispute as required by both your offices. 
Under my rights established by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), you are legally obligated to remove and permanently block any information on my credit file that is the result of identity theft or is inaccurate. Specifically : FCRA 1681i ( a ) : Requires a reasonable reinvestigation of disputed information and mandates deletion of unverifiable or inaccurate data.

FCRA 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy of consumer credit information. Reporting an address that does not belong to me violates this standard.

FACTA 605B ( 15 U.S.C. 1681c-2 ) : Mandates that credit reporting agencies must block and permanently delete any information in a consumers file that results from identity theft once proper documentation is provided.

FCRA 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of deleted information without full verification and written notice to the consumer within five business days.

I am demanding that Equifax and TransUnion immediately investigate and permanently delete this fraudulent address from my credit files. Continuing to report inaccurate or fraudulent information after receiving proper identity theft documentation is a direct violation of federal law and exposes your agencies to liability under FCRA 616617.

Enclosed with this letter are copies of my Identity Theft Police Report, my government-issued ID, and proof of my current address to assist with your investigation and verification process.

Please send written confirmation that this address has been removed and permanently blocked from all future reporting within 30 days of receipt of this letter, as required by law. 
Sincerely, 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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am filing this complaint regarding a fraudulent judgment pursued by Pressler , Felt & Warshaw , LLP on behalf of XXXX XXXX XXXX XXXX, successor of XXXXXXXX XXXX for an alleged debt of {$6800.00} or any other amount. This debt is fraudulent, and I am not the debtor. I am a victim of identity theft, and Pressler , Felt & Warshaw , LLP continues to pursue a debt that I did not incur, causing significant emotional, financial, and personal distress. I have never opened an account with XXXX XXXX, XXXX. or XXXXXXXX XXXX, nor have I authorized anyone to use my personal information to incur any debts. This alleged debt is the result of fraudulent activity, and I am now taking all necessary steps to address this issue. Pressler , Felt & Warshaw , LLP 's actions violate several key laws, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : This law prohibits debt collectors from using false, deceptive, or misleading representations to collect a debt. Pressler , Felt & Warshaw , LLP has continued to pursue a fraudulent debt, engaging in deceptive practices. FDCPA, 15 U.S.C. 1692f : This section prohibits the use of unfair or unconscionable means to collect or attempt to collect a debt. Pressler , Felt & Warshaw , LLP has used unconscionable methods to continue pursuing this fraudulent debt. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : This law requires the proper investigation of disputed information. By pursuing a judgment based on fraudulent information, Pressler , Felt & Warshaw , LLP has failed to ensure accuracy and validity, violating the duty to maintain accurate records. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 : This law criminalizes identity theft and the use of someone elses identity to fraudulently obtain credit. The debt being pursued by Pressler , Felt & Warshaw , LLP is directly related to identity theft. FCRA, 15 U.S.C. 1681b : This section mandates that a debt collector must have a permissible purpose to report or pursue a debt. Pressler , Felt & Warshaw , LLP had no such purpose in pursuing this fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
When reviewing my credit report, I discovered multiple accounts and hard inquiries that I never authorized. 
These include the following unauthorized accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries do not correspond to any credit applications, authorizations, or financial relationships initiated by me. 
I believe they resulted from identity theft or unauthorized use of my personal information. 

To protect myself, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the fraudulent activity and submitted it along with a formal written dispute to TransUnion. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), once a valid identity theft report is received, the credit reporting agency is legally required to block and delete any disputed information within four ( 4 ) business days, unless it can be verified as authorized.

Despite providing full documentation and a certified police report, TransUnion failed to remove the unauthorized accounts and related inquiries.

Each of these inquiries and accounts represents an impermissible access to my credit information in violation of FCRA Section 604 ( 15 U.S.C. 1681b ), which limits when and how a credit bureau may release a consumers file.

Their continued presence has caused measurable harm to my credit score and financial reputation, resulting in : Denial of a mortgage application directly referencing these accounts.

Approval of a vehicle loan but at an unreasonably high interest rate.

Denial of a credit card, followed by additional hard inquiries that further reduced my score.

Emotional distress and significant time loss in resolving an issue that should have been corrected upon submission of my identity theft documentation.

This situation is unfair and unlawful. I acted responsibly by providing evidence, yet TransUnions inaction constitutes a failure to comply with multiple FCRA provisions, including : Section 605B ( failure to block fraudulent data within 4 business days ) Section 607 ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ) Section 611 ( a ) ( failure to investigate and correct unverifiable information within 30 days ) I am now seeking the CFPBs enforcement and oversight to ensure my rights as a consumer are upheld and that this information is permanently deleted.

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