vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It XXXX Concern, This complaint concerns XXXX for reporting inaccurate information. The account number reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The reporting is inaccurate and unverifiable because the account number is incomplete and not properly identified. I have requested verification directly from the furnisher but have not received the legally required documentation. 

This violates the FCRA 602 and 623 by furnishing unverifiable and incomplete data. 

Requested Relief : Provide verification with complete documentation. 

Delete the account if no proper verification exists. 

Confirm corrective action in writing. 

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 2025-09-02 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Unauthorized hard inquiries were made on my credit report by lenders attempting to obtain auto loans without my consent. These inquiries occurred on XXXX XX/XX/year> and were reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . No accounts were opened. 



I filed an FTC Identity Theft Report and submitted a dispute letter to [ XXXX/EquifaxXXXX ] under the Fair Credit Reporting Act ( FCRA ), citing 605B ( 15 U.S.C. 1681c-2 ), which requires fraudulent information to be blocked, and 611 ( 15 U.S.C. 1681i ), which requires a reinvestigation. I also referenced 623 ( 15 U.S.C. 1681s-2 ), which obligates furnishers to report accurate and verifiable information only. 



Despite my requests, these inquiries remain on my report. I am asking the CFPB to ensure [ XXXXEquifaxXXXX ] deletes these unauthorized inquiries, provides written confirmation, and issues an updated credit report in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue : Rewards points forfeited after Citibank closed all four of my consumer credit card accounts Company : Citibank , N.A .

Product : Credit card ( consumer ) What happened : I have been a Citi credit card customer since XXXX and maintained multiple Citi consumer credit card accounts. Over the years, I earned XXXX Citi ThankYou Points in good faith through regular use of my credit cards. 

In XX/XX/XXXX, Citi abruptly closed four of my credit card accounts before I had the opportunity to redeem my earned ThankYou Points. As a result, Citi wrongfully confiscated XXXX points that I had already earned under the cardmember agreements.

These points have a clear monetary value. Based on Citis own transfer partner structure, the points could be transferred to XXXX XXXX AAdvantage at a retail vale equivalent to {$75.00} per XXXX miles listed on XXXX. At this rate, the retail value of my lost XXXX points is {$3000.00}. 

Citis conduct mirrors the wrongful practices at issue in the class action lawsuit Harry Gao, et al. v. JPMorgan Chase & Co., et al., Case No. XXXX ( XXXX ), where the court ruled in favor of consumers who were deprived of their earned credit card rewards when XXXX closed their accounts. 

I consider Citis actions to be : Breach of contract ( failure to allow redemption of points already earned under the program terms ), Unjust enrichment, and Bad faith account closure to deprive consumers of rewards.

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 2025-09-02 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company 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: 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-02 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-02 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing the way Synchrony Bank ( CareCredit ) has reported my account to the credit bureaus. CareCredit recently reported that my balance increased from {$100.00} to {$1900.00}, but they did not report the XXXX XXXX  in payments I have already made toward this account.

This makes it appear that I am using 32 % of my credit limit when in reality I am using less than 10 %. I am not late on this account. All of my payments have been made on time, yet the inaccurate reporting has caused my XXXX  and XXXX  credit scores to drop by XXXX points. 

This false reporting also harms my cosigners credit ( my father ), because the account is joint and both of us are being penalized for something that is not true.

Under the Fair Credit Reporting Act ( FCRA ), furnishers must report accurate and complete information. By failing to report my actual payments and instead reporting only an inflated balance, Synchrony Bank is furnishing false information that damages both my credit and my cosigners creditworthiness.

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 2025-09-02 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: LA

Complaint narrative:
I have items on my credit report that does not belong to me. There are different accounts listed on my report that are not mines. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is listed erroneously. 
XXXX XXXX XXXX XXXXXXXX - This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account doesnt belong to me. 
XXXX. XXXX XXXX # XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX. XXXX # XXXX This account is listed erroneously.

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: LA

Complaint narrative:
I have items on my credit report that does not belong to me. There are different accounts listed on my report that are not mines. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is listed erroneously. 
XXXX XXXX XXXX XXXXXXXX - This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account doesnt belong to me. 
XXXX. XXXX XXXX # XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX. XXXX # XXXX This account is listed erroneously.

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 2025-09-02 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: PA

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

Company 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 2025-09-02 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: PA

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

Company 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 2025-09-02 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am reporting fraudulent account found in my credit report. XXXX XXXX  Opened XX/XX/year>. Pleace remove from my credit report.Thank You

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
PENN CREDIT CORPORATION XX/XX/year> collection wa places on my credit report i do not use and GAS supplies from this company and also i do not know who use my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NV

Complaint narrative:
* * * NOTE : THIS IS NOT A DUPLICATE COMPLAINT * * * PLEASE ALLOW COMPANY TO RESPOND - BOTH XXXX XXXX and XXXX XXXX ran my credit ( I leased a XXXX, not a XXXX ) and the dealership also ran my credit. In XX/XX/year>, I leased a XXXX XXXXXXXX XXXX. As a result of this lease, I have three ( 3 ) hard hits on my credit report for one leased vehicle. I went to no other dealerships. I only went to XXXX XXXX XXXX. I leased a single vehicle. It was a single transaction. PLEASE REFER TO THE ATTACHED PICTURE. The hard hits show up as : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX But they are all for the same transaction. I should have only one ( 1 ) hard hit, and not three ( 3 ). This increased my hard hit count significantly. This results in a lower credit score and damages my credit report.

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