vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
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 2025-05-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On my Experian credit report, there are multiple unauthorized inquiries that I did not consent to, all of which were made between XXXX and XX/XX/year>. These inquiries include XXXX XXXX XXXX ( XX/XX/year> ), 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 These inquiries were made without my authorization, and I have no knowledge of any credit applications or transactions related to these companies. This has negatively impacted my credit score and is causing unnecessary distress. Given the frequency of recent data breaches, I believe these inquiries could be the result of unauthorized access to my personal information rather than identity theft or 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 2025-05-09 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: MI

Complaint narrative:
I am writing to provide an update to my original complaint submitted on XX/XX/year>, regarding Experians continued reporting of a bankruptcy on my credit report. 

I have attached written confirmation from the United States Bankruptcy Court stating that the court does not report or maintain consumer credit information, and therefore can not and did not provide this data to Experian or any credit bureau. 
Prior to submitting this dispute, I took the proactive step of freezing my XXXX and XXXX accounts, which are the known data vendors Experian typically uses to verify public records. This was done specifically to prevent them from supplying inaccurate or outdated information during the reinvestigation process. 

Despite this, Experian claims the bankruptcy was verified through their vendor. However, if the court confirmed they do not report consumer data, and the vendors that collect such data were frozen prior to the dispute, then Experian could not have lawfully or accurately verified the bankruptcy during the reinvestigation.

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 2025-05-09 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
We opened an account with XXXX XXXX through the Synchrony Credit Card. We were paying on time monthly and did not miss payments. Today, I was shocked that they would include on the balance owed the interest charge of XXXX to what we owe, we owed XXXX and now they are saying that we owe XXXX ( XXXX plus the interest charge of XXXX ). We were not informed about this payment anomaly when we first purchased the matress or the bed. We do not want this promotional offer but they did not inform us about this when we first purchased the bed so they deceived us with the offer. We are complaining about the deferred interest charge that unexpectedly accrue because our balance was not fully paid at the end of the promo period. We pay on time and we pay monthly and never miss a payment. This promo is not fair and we should have been informed when we first got the bed from the store. The credit card is SYNCHRONY and my husband XXXX XXXX own this account. We want synchrony to put our account back with the XXXX we owe and make us pay XXXX every month.

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 2025-05-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
DELETE HARD INQUIRIES 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below : I'm writhing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) ,609 ( 15 U.S.C. 1681g ) and 604 ( 15 U.S.C. 1681b ). 
after reviewing my recent credit report, I have identified the fallowing inquiries that I don't recognize or authorize Dispute Inquiry : XXXX XXXX XXXX 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that some of my personal information on my credit report is incorrect, and I need it fixed as soon as possible. This includes details like my name, address, or other identifying information that are either outdated or just plain wrong. Im not sure how the mistake happened, but its important that everything on my report accurately reflects my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account XXXX : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of XXXX Merchant name : WELLS FARGO CARD Amount charged : {$7300.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount.

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ].

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

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 2025-05-09 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance.

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 2025-05-09 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Saw today someone tried to open credit cards at 4 businesses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am requesting the immediate blocking and removal of the fraudulent accounts, incorrect addresses, and any related inaccurate personal information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX  TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Identity Theft Dispute and Request for Removal of Fraudulent Accounts Under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute two fraudulent accounts that have been reported on my credit file by your respective credit bureau. These accounts were not authorized, opened, or used by me and are the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting that these accounts be blocked and permanently removed from my credit report. 

The fraudulent accounts are as follows : XXXX XXXX. 

Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX  Under the FCRA, credit bureaus are required to block such information from a consumers report within four ( 4 ) business days of receiving a valid identity theft report. I have taken the necessary legal steps, including filing an Identity Theft Report with the FTC. 

Attached documentation : FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
Per conversation with representatives of Sequium Asset Solutions , LLC, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX XXXX all of whom told me that I have a XXXX XXXX account ending in XXXX  that I owe them. I SENT A LETTER TO YOU TO DISPUTE THE TRANSACTION AS I DISAGREE WITH IT. However, upon receipt of the first Debt Collection letter dated XX/XX/XXXX, I asked for them to validate this debt by sending me more than the attached letter stating they are collecting a debt on your behalf. The reason is the following : XXXX. The account # can not be found, I have no record of an account ending in XXXX. I asked them to give me the account # and they provided an account # short in digits. XXXX stated the account should be sixteen digits long and theirs wasn't. 

XXXX. XXXX does not have any account under my name with the last XXXX digits ending in XXXX per chat transcript. 

XXXX. XXXX had only XXXX verifiable account under my name that I have validated because I actually have bills received, paid on and closed that account XX/XX/XXXX per XXXX ( XXXX ). 

XXXX. I provided a written dispute letter to Sequium Asset Solutions , LLC dated XX/XX/XXXX to let them know I disagree with the charges. 

XXXX. However, it has been more than 150 days since they, Sequium Asset Solutions , LLC, have even attempted to validate the debt or respond to my dispute which was sent to them by the requested date of XX/XX/XXXX. They as a valid agency must investigate unless the dispute is frivolous. But my dispute is based on a debt collection letter they sent me and it should be validated within the timeframe the law states. I have not ignored them but they according to the Federal Trade Commission dispute laws, have not honored the dispute processing laws. 

NOTE : IF YOU NEED ANY ADDITIONAL DOCUMENTATION, PLEASE CONTACT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
I am sending to formally dispute the accuracy and validity of several accounts entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate removal of these items from my credit file XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3000.00} XXXXXXXX XXXX  Inquired on XX/XX/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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FISERV FINXACT CORE
State: OK

Complaint narrative:
I am writing this complaint to request my consumer report. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Social Security Number : XXXX Date of birth 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 2025-05-09 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am not liable for this debt with. I do not have a contract with Midland Credit Manag they did not provide me with the original contract as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Upon reviewing my consumer credit reports, I observed that you are reporting negative informationspecifically late paymentsto consumer reporting agencies in relation to my account. Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ), the Fair Credit Reporting Act does not require financial institutions to furnish negative information about a consumer. 

In addition, under the Truth in Lending Act ( XXXX XXXX. XXXX ( a ) ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution governed by the XXXX XXXX, you also have an obligation to safeguard my privacy. I have never lawfully consented to the disclosure of my nonpublic personal information to any nonaffiliated third parties, nor was I provided a clear explanation of how to opt out of such disclosures, as required under XXXXXXXX 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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Farrell Holdings, LLC
State: IL

Complaint narrative:
I purchased car on XX/XX/XXXX I originally owed {$11000.00} I did a voluntary repossession and the car was sold by the finance company plus monthly payments I made. This account was charged off XX/XX/XXXX with {$5400.00} that I could not afford to pay due to being unemployed. Because of the interest rate of 29.99 % has increased my balanced to {$9300.00} and a collection agency is reporting my charged off auto loan and increasing the amount owed monthly which is keeping me from being approved for loans and credit applications etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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