vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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:
This communication serves as a formal and final demand for the immediate, permanent deletion of the following patently false, fraudulent, and unverified collection account from all credit reporting agencies, including but not limited to Experian, Equifax, and TransUnion : Account Name : XXXX XXXX XXXX Account Number : ( XXXX ) Original Creditor : XXXXXXXX XXXX  ( XXXX ) This account is the subject of a willful and knowing violation of multiple federal statutes. Your continued reporting of this account constitutes a malicious act of willful misconduct and a fraudulent scheme to misrepresent credit information to a federal agency and third parties. 

Your failure to produce a valid, itemized statement, the original signed contract, or a clear chain of custody documentation confirming this alleged debt constitutes a clear and unequivocal violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). This debt is invalid and can not be legally collected.

Furthermore, your continued reporting of this false information after a dispute is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2 ( b ). This is a deliberate failure to conduct a reasonable investigation into the validity of the disputed information, and it will be treated as such. 

Be advised that continued reporting of this unverified account is a knowing misrepresentation of fact, which is a felony offense under federal law. We are currently preparing to file a criminal referral to the Federal Trade Commission ( FTC ) citing violations of 18 U.S.C. 1001 ( False Statements to Federal Agencies ), 18 U.S.C. 1341 ( Mail Fraud ), 18 U.S.C. 1343 ( Wire Fraud ), and 18 U.S.C. 1014 ( Loan and Credit Application Fraud ). 

This is not a negotiation. It is a direct and non-negotiable demand. We demand complete and permanent DELETION of this account from all credit reporting agencies, not a simple suppression, update, or " dispute '' remark. This account must be expunged from all records as if it never existed. 

Failure to comply with this demand within ten ( 10 ) business days will leave us with no alternative but to immediately initiate civil litigation, file a comprehensive bar complaint against your legal team, and refer this matter to the Federal Trade Commission and the Consumer Financial Protection Bureau for a full investigation into your fraudulent business practices. This is a final ultimatum. Your choice is compliance or litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I had an XXXX XXXX since XXXX of XXXX, and XXXX cancelled it in XXXX of XXXX. I have never missed a payment nor have I been late on any payments. While trying to pay the existing balance, Syncrony has made it nearly impossible to pay this debt. There have been numerous times they have charged me a return payment fee when, in fact, those payments were never returned. Each time I had to call them to point out their mistake, and they reversed the charge each time. 
This last time, they charged me a late fee for XX/XX/XXXX when, in fact, I made the payment on XX/XX/XXXX. Syncrony doesn't deny this and refunded the late fee and agreed to send me the payment that they claimed was late. They are claiming I paid one day too early, and I have never heard of being too early on your payment regarding a bill. I just want fair treatment, so this month they want me to make a minimum payment, which is more than double the normal minimum payment. The account in question was closed, according to the representative I spoke with ( XXXX XXXX ) the account had been closed due to a returned payment. I informed XXXX that it was Syncronys ' mistake, and they refunded the fees involved and claimed to have made notes that it was, in fact, their mistake. 
I would like to be able to pay my balance without being charged a fee and having to call to fix it every time. I have a spouse who is in hospice, and I don't have much free time. Thank you so much for looking into this matter for 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 monetary relief
Consumer complaint received 2025-09-01 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: TX

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

1681c2 ) that you, the TransUnion 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 : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 2025-09-01 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This collection reports without validation of ownership. Under FDCPA 809 ( b ), validation must be provided. Provide flow agreement, contract, and proof. If not validated, delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: AZ

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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-01 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I haven't used nor do agreement I have an agreement where I have to use the services of this account. Did not give permission to place on my credit report! 
Per US code this shouldn't be on my report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/year> I reported to my landlord that the wall was wet and it looked like there was mold on the wall. My landlord fixed the leak causing the wet wall and cleaned off the mold with an industrial cleaner, but left the wall wet. The mold came back in XXXX and we found a new place to live and notified the landlord. The landlord said it was not mold and said they had a mold test they performed that came back negative. When asked, they never produced the mold test. We had a mold test performed independently that came back positive for mold. The state of California Civil Code 1941.1 advises that the landlord has 30 days to fix a wet wall or mold or the tenant has the right to leave without penalty. The landlord left my wall wet for 5 months. 

The landlord then sold my alleged debt to a third party. We sent a letter detailing the mold issue and asking for the company ( TSI ) to verify the debt. TSI sent back a letter that just list the debt again. They sent the response letter to an address I haven't lived at for years, even after I updated my address with their company on the phone in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am the victim of fraud and identity theft. An account is appearing on my credit reports that does not belong to me and was opened without my knowledge or consent. The fraudulent account appears with the following details : Account Number : XXXX Account Status : Over 120 Days Past Due Account Type : Installment / Education Loan Creditor/Servicer : Dept of Ed / Aidvantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance Reported : {$6400.00} High Credit : {$6000.00} Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX Comments : Student Loan Fixed Rate 150 Days Past Due This account is fraudulent. I never agreed for, signed, or authorized any such student loan. I am disputing this account as the result of identity theft. 
Additionally, there is a clear reporting violation : the same account number is being reported with two different balances. This is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer information. 
Furthermore, this loan was fraudulently entered through XXXX and XXXX XXXX XXXX, a school that has since been shut down and is currently under investigation for fraudulent practices. This further demonstrates that the account is illegitimate and must not remain on my credit report. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 605B [ 15 U.S.C. 1681c-2 ], I demand that this account be : 1. Blocked from my credit file immediately since it is the result of identity theft.

2. Deleted in its entirety from my XXXX XXXX  and XXXX  credit reports.

3. That no further reporting, collection, or verification attempts occur on this fraudulent account.

Enclosed, please find copies of the following documents to support my claim : My government-issued photo identification.

Proof of address ( utility bill ).

[ Optional : A copy of an FTC Identity Theft Report, if you file one at XXXX. ] This account is fraudulent, and continued reporting of it after this notice would be a willful violation of federal law. If this matter is not resolved promptly, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, and I will consider legal action to enforce my rights. 
Please confirm in writing within 30 days that this fraudulent account has been deleted and blocked from my credit reports.

Company response to consumer: Closed with explanation