vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
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 {$800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$110.00} XXXXXXXX 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 XXXX 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 2025-07-14 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: CA

Complaint narrative:
I am filing this complaint regarding multiple unauthorized and fraudulent credit inquiries that appeared on my credit reports without my knowledge or consent. I have never applied for credit with the following entities and consider these inquiries to be the result of identity theft : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) These inquiries have negatively impacted my credit score and financial standing. 



Violations and Legal Grounds : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ), ( f ), and 1681c-2 Section 1681b ( f ) : A person shall not obtain a consumer report unless it is for a permissible purpose. These inquiries do not reflect any credit application authorized by me and thus violate this provision.

Section 1681c-2 ( Block of Information Resulting from Identity Theft ) : I formally requested these inquiries be blocked and provided an FTC Identity Theft Report. The credit bureaus are required to block such items within 4 business days of receiving proof.

Section 1681b ( c ) : Prescreening inquiries without proper consent or preauthorization are prohibited.

Requested Relief ( Fair Resolution ) : 1. Immediate and permanent removal of the fraudulent credit inquiries listed above from all consumer credit reports ( XXXX TransUnion, Equifax ).

2. Blocking of the inquiries under FCRA 1681c-2. 
3. Written confirmation from each credit reporting agency that the inquiries have been removed and will not be reinserted unless the furnishers certify the legitimacy of the inquiry and I am properly notified ( per 1681i ( a ) ( 5 ) ( B ) ).

4. Full investigation into each inquiry to determine who initiated it, and how they obtained or misused my personal information. 5. Preventative actions including
placing a fraud alert or security freeze on my credit file at no cost.

6. Assurance of non-recurrence, including internal controls to avoid future identity theft reinsertion or mishandling. 



Please confirm when this complaint has been forwarded to the relevant entities and notify me of any actions taken. 
Thank you for your assistance in restoring my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am filing this complaint due to the ongoing and unauthorized reporting of inaccurate, incomplete, or unverifiable information on my consumer credit reports by one or more of the nationwide consumer reporting agencies ( Equifax, Experian, and/or TransUnion ) XXXX 
I have identified one or more accounts currently being reported that I believe violate my rights as established under federal law, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 And protections under Gramm-Leach-Bliley Act ( GLBA ) and the Right to Financial Privacy Act ( RFPA ) The information in question is either : Inaccurate or misleading in how it is being reported ( balance, date opened, payment status, etc. ), Unverified or unverifiable using physical documentation, or Improperly reported by third-party furnishers who lack legal standing or contract authority to report. 
I assert that : Per 15 U.S. Code 1681i ( a ), once a consumer disputes any information, the bureaus must reinvestigate and remove or correct the data unless it is verified with competent evidence ; Per 15 U.S. Code 1681s-2 ( b ), data furnishers must conduct an investigation upon notice of a dispute, and report the results accurately ; Per 15 U.S. Code 1681e ( b ), credit bureaus must maintain maximum possible accuracy which has clearly not been done in this case; Under FDCPA ( 15 U.S. Code 1692e ), any misleading, deceptive, or unfair reporting is a violation of my consumer protections ; I have not received proper validation or physical documentation that establishes the legal basis for the derogatory information being reported, nor has the bureau provided any actual signed contract, payment history, or lawful verification. 
Therefore, I believe this information is being unlawfully and irresponsibly reported, causing irreparable harm to my financial and personal wellbeing, including denial of credit, inflated interest rates, and emotional stress.

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 2025-07-14 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: GA

Complaint narrative:
I am filing this complaint due to the ongoing and unauthorized reporting of inaccurate, incomplete, or unverifiable information on my consumer credit reports by one or more of the nationwide consumer reporting agencies ( Equifax, Experian, and/or TransUnion ) XXXX 
I have identified one or more accounts currently being reported that I believe violate my rights as established under federal law, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 And protections under Gramm-Leach-Bliley Act ( GLBA ) and the Right to Financial Privacy Act ( RFPA ) The information in question is either : Inaccurate or misleading in how it is being reported ( balance, date opened, payment status, etc. ), Unverified or unverifiable using physical documentation, or Improperly reported by third-party furnishers who lack legal standing or contract authority to report. 
I assert that : Per 15 U.S. Code 1681i ( a ), once a consumer disputes any information, the bureaus must reinvestigate and remove or correct the data unless it is verified with competent evidence ; Per 15 U.S. Code 1681s-2 ( b ), data furnishers must conduct an investigation upon notice of a dispute, and report the results accurately ; Per 15 U.S. Code 1681e ( b ), credit bureaus must maintain maximum possible accuracy which has clearly not been done in this case; Under FDCPA ( 15 U.S. Code 1692e ), any misleading, deceptive, or unfair reporting is a violation of my consumer protections ; I have not received proper validation or physical documentation that establishes the legal basis for the derogatory information being reported, nor has the bureau provided any actual signed contract, payment history, or lawful verification. 
Therefore, I believe this information is being unlawfully and irresponsibly reported, causing irreparable harm to my financial and personal wellbeing, including denial of credit, inflated interest rates, and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The acount XXXX XXXX XXXXXXXX is a fraudent account opened with fraudulent access to my personal credit report. This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased flights through the booking website edreams.net on XX/XX/year> using my PayPal credit card which is through synchrony bank. The flights were supposed to be XX/XX/year>. 

I received an email from the airline on XX/XX/year> that the flight was cancelled due to forced operational reasons. 

I contacted the booking website the following day XX/XX/year> and they acknowledged the flights were cancelled by the airline and would get me a refund within 30 days. 

After a couple of months of contacting them, they werent able to get me a refund because they claim they didnt receive the refund from the airline. At the same time, I am not able to resolve this with the airline directly as I booked it through a third party website. I opened a dispute with PayPal credit after over 3 months of no resolution with the seller. Every time I open or reopen the dispute it gets closed in favor of the seller. One time they claim I have no right to a refund because i cancelled XXXX hours after booking even though it wasnt cancelled from my end. The next time they claim I already received the services. Then they claim I signed the terms of the conditions of the website and have no right to a refund. This makes no sense as the flight was not cancelled by me and I had to repurchase flights after at a higher cost to me. I have been disputing over a year now and have exhausted all my options aside from reporting it here.

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 2025-07-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$4000.00} You have received a valid FTC Identity Theft Report and supporting documentation in the prior round. I am now renewing my demand that these items be permanently removed from my report. Continued reporting of known fraudulent data is a direct violation of federal law. 
Please also ensure that all outdated or inaccurate addresses and aliases are deleted. Only the following should remain : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was informed that I have student loans yet I never went to any college or university I have tried to dispute it and the credit bureaus refused to do investigations its impacting my credit accuracy I provided police report and everything to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dont recognize these hard inquiries, and I am a victim of ID theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 2025-07-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I was contacted by Debt Recovery Solutions regarding a debt from XXXX XXXX on XX/XX/scrub>XXXX They offered a discounted settlement of {$550.00}, and I made a counteroffer to settle for {$440.00}. I was willing to pay immediately, but I requested a written agreement confirming the amount and that the debt would be settled in full after payment. 

The representative refused to provide written confirmation before payment. He said their company no longer sends letters because consumers were misusing them. He also stated that they would only give me the settlement letter after I made payment and even mocked the idea that I would expect proof beforehand. 

He admitted on the call that the letter exists but refused to send it unless I paid first. This puts me at risk of being pursued later, despite paying. I feel they were being deceptive and aggressive, and they clearly did not want to provide documentation that would protect me as a consumer. 

Why Its Wrong : Collectors are required under federal law ( FDCPA 15 U.S. Code 1692g ) to provide written verification of debts and terms upon request. California law ( Rosenthal Act, Civil Code 1788.17 ) requires the same. Refusing to provide settlement terms before accepting payment is deceptive and leaves me with no protection if the account is resold or misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 2025-07-14 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: OH

Complaint narrative:
To Whom It May Concern, This letter is a formal request for debt validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received notice of a debt you claim I owe in the amount of {$3200.00}, but I do not recognize this debt and request that you provide proper verification. 

Please provide the following : The name and contact information of the original creditor ; A complete accounting of the alleged debt, including principal, interest, fees, and any other charges ; A copy of the original contract or agreement showing that I assumed this debt ; Documentation showing that you are authorized to collect debts in my state ; A copy of any judgment ( if applicable ) related to this debt. 

Until this information is provided, I request that you immediately cease all collection activity, including phone calls, written communications, and reporting to credit bureaus, per 15 U.S.C. 1692c ( c ).

This letter is not a refusal to pay, but a good faith request for more information. If you can not provide the requested documentation, you are required to cease collection efforts and inform the credit reporting agencies to delete any related entries on my credit report. 

Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I asked for loan amounts and due dates when I left school. I asked about forbearance information a few years later. I asked about modifying payments. I asked where my student loan payments were going and the only answer I received was " it got sold. '' When I reached out again 6 months ago because the school had committed fraud, I got no answer back.

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