vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/year> my credit was ran by syncbXXXX XXXX  i called XXXX and XXXX 's and both parties claim they dont see an account or no history of an account to be open i didn't not apply for a card aXXXX XXXX  or on line and this is not inquiry

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express closed all my account, and take away my reward points and two of the cards I just paid annual fee of {$690.00} and {$390.00} not long time ago. They didn't provide why this happening and refuse to return the annual fee and return my points!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] SSN : XXXX Trans union XXXX XXXX XXXX XXXX XXXX XXXX. 

Subject : Identity Theft - Unauthorized XXXX Account To Whom It May Concern, I am writing to inform you that I am a victim of identity theft. The following account listed on my credit report does not relate to any transaction ( s ) that I have made and is the result of fraudulent activity : Account : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX I request that this account be investigated and removed from my credit report as it is fraudulent. Attached are copies of my identity theft report and any supporting documentation for your review.

Please dont send me any stall letters I am reporting this identity theft myself with all my proof.

I also attached a copy of Trans Union file number XXXX stall letter saying someone else sent my last disputes which isnt true. I XXXX XXXX is sending all proof with documentation. 


Please confirm once the account has been removed. Thank you for your prompt assistance. 

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 non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX for XXXX XXXXXXXX XXXX XXXX due to multiple discrepancies between TransUnion and Equifax. 

TransUnion lists the original creditor as XXXX XXXXXXXX XXXX XXXX XXXX XXXX  while Equifax lists XXXXXXXX XXXX XXXX XXXX  XXXX TransUnion shows no payment history, but Equifax shows multiple charge-off ( C ) entries TransUnion does not list a past due amount, while Equifax shows {$660.00} past due Status update dates are different : Equifax shows XX/XX/year>, TransUnion shows XX/XX/year>XXXX  Contact phone numbers for the collector are different between bureaus Dispute remarks show resolution, but the errors remain unresolved Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, consistent, and verifiable. These inconsistencies indicate the account is not being reliably reported and should not remain on my credit reports.

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 2025-06-14 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: CA

Complaint narrative:
I am filing this complaint because I am a confirmed victim of identity theft, and XXXX XXXX is reporting a fraudulent account under my name that is still open and inaccurately marked as delinquent. Despite submitting an FTC Identity Theft Report and a police report, XXXX refuses to remove the account or conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 

They are now requesting I update the police report to specifically mention their account. However, law enforcement agencies do not amend police reports after they are filed. They issue a new report only if new events occur, which is not applicable in this case since the fraud was already reported. 

Additionally, this XXXX account was previously deleted from my credit report but was later reinserted without any proper notice or reinvestigation, in violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). It is now showing as open and 180+ days past due, which is inaccurate, extremely damaging to my credit profile, and a direct violation of FCRA provisions. 

XXXX has made no effort to comply with the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Kashable LLC
State: CA

Complaint narrative:
I am filing this complaint because I am a confirmed victim of identity theft, and Kashable LLC is reporting a fraudulent account under my name that is still open and inaccurately marked as delinquent. Despite submitting an FTC Identity Theft Report and a police report, Kashable refuses to remove the account or conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 

They are now requesting I update the police report to specifically mention their account. However, law enforcement agencies do not amend police reports after they are filed. They issue a new report only if new events occur, which is not applicable in this case since the fraud was already reported. 

Additionally, this Kashable account was previously deleted from my credit report but was later reinserted without any proper notice or reinvestigation, in violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). It is now showing as open and 180+ days past due, which is inaccurate, extremely damaging to my credit profile, and a direct violation of FCRA provisions.

Kashable has made no effort to comply with the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-14 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Charge Off Date Opened XX/XX/XXXXXXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Charge off Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Charge off Date Opened XX/XX/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 2025-06-14 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Charge Off Date Opened XX/XX/XXXXXXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Charge off Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Charge off Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 
( XXXXXXXX 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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was buying a XXXX ticket from a seller off a XXXX XXXX  who was verified by others. I asked for proof of purchase which had their name for the ticket, ID and also looked through their account to verify the validity. Apparently the account was a fake and they actually scammed the original person before XXXX XXXX. The scammer account was XXXX XXXX. 

I XXXX  the person a total of {$500.00} dollars and Bank of America is unlikely to retrieve the money. Is there any way you can assist with my case? 

I have filed a police report and contacted my bank of the scam. this happened today XX/XX/year>

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 2025-06-14 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Was a victim of a national data breach by XXXX  a few years ago, I have yet to get the fraudulent accounts removed from my consumer reports. However, this Chase account is really hard to tackle. Need your assistance. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am disputing a charged-off XXXX XXXX  account due to inconsistent and inaccurate reporting across all three credit bureaus ( Experian, TransUnion, and Equifax ). 

Creditor Name : Reported differently as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  Last Payment Date : Listed as XX/XX/XXXX on two reports, but XX/XX/XXXX on the other Status Update Dates : One bureau lists the last update as XX/XX/XXXX, while the others show XX/XX/XXXX Payment History : Experian and Equifax report monthly charge-off history ; TransUnion lists no payment history at all Contact Info : Equifax provides a different phone number and address than the other two bureaus This account was previously marked as disputed and investigated, yet these discrepancies were never corrected. Under the FCRA, information must be accurate and consistently reported. These conflicts make the tradeline unverifiable and misleading.

I am requesting full deletion of the account from all credit reports.

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 2025-06-14 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:
I am disputing a charged-off XXXX XXXX  account due to inconsistent and inaccurate reporting across all three credit bureaus ( Experian, TransUnion, and Equifax ). 

Creditor Name : Reported differently as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  Last Payment Date : Listed as XX/XX/XXXX on two reports, but XX/XX/XXXX on the other Status Update Dates : One bureau lists the last update as XX/XX/XXXX, while the others show XX/XX/XXXX Payment History : Experian and Equifax report monthly charge-off history ; TransUnion lists no payment history at all Contact Info : Equifax provides a different phone number and address than the other two bureaus This account was previously marked as disputed and investigated, yet these discrepancies were never corrected. Under the FCRA, information must be accurate and consistently reported. These conflicts make the tradeline unverifiable and misleading.

I am requesting full deletion of the account from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: IN

Complaint narrative:
Experian continues to report this incomplete/fraudulent account violating my rights under U.S. Code 1681e ( b ) ( Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ) each month for their financial gain despite clear evidence sent to them reflecting the falsities of this account. Experian the company even reported correctly the month of closing XX/XX/XXXX please check you record. The company XXXX XXXX XXXX is fraudulently reporting a SECURED credit card on my consumer report that they continue to report only charge offs from XXXX XXXX. This said account was opened XX/XX/XXXX then closed XX/XX/XXXX with a highest ever balance of {$1100.00}, {$0.00} owed, with a {$1200.00} credit limit. This account was closed due to the suspicious activities noted from this company and their high APR % rates. This company continues to provide only derogatory payment history of charge offs from XXXX XXXX which is a time frame which I did NOT own an account any longer with XXXX XXXX. XXXX XXXX  has repeatedly been asked to provide a complete and accurate payment history, monthly payments amounts, and paid amounts for each month from XXXX ( due to the fraudulent activities being presently reported on my consumer report ) and continue to not produce any records prior to XX/XX/XXXX ( stating charge offs until present ) as this is not my account. XXXX XXXXXXXX XXXX continues to report this account fraudulently for financial gain and Experian continues to except their fraudulent reporting stating they updated data however no updates are noted and payment history prior to XX/XX/XXXX continues to be omitted. Experian continues to report this incomplete/fraudulent account violating my rights under U.S. Code 1681e ( b ) each month for their financial gain despite clear evidence sent to them reflecting the falsities of this 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted disputes and provided verified forms from the lender showing a XXXX balance and experian will not remove them from my credit.

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