vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: NY

Complaint narrative:
( 1681b Permissible purpose ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XXXXXXXX XXXX XXXXXXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXX To whom it may concern, I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities. 
XXXXXXXX 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 XXXXXXXX. 

I understand that you have been sending generic responses to consumer disputes and challenges, disregarding the specific information provided. This is illegal, as each case must be addressed individually. My letters were created using widely available software. Failure to process them violates 15 U.S. Code 1681i. Delaying based on third-party assistance is not legally justified. If you don't handle my letters promptly, it indicates intentional disregard for my consumer rights, leading me to seek legal action through my lawyer. 

Sincerely, 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 2025-12-21 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: NY

Complaint narrative:
( 1681b Permissible purpose ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XXXXXXXX XXXX XXXXXXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXX To whom it may concern, I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities. 
XXXXXXXX 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 XXXXXXXX. 

I understand that you have been sending generic responses to consumer disputes and challenges, disregarding the specific information provided. This is illegal, as each case must be addressed individually. My letters were created using widely available software. Failure to process them violates 15 U.S. Code 1681i. Delaying based on third-party assistance is not legally justified. If you don't handle my letters promptly, it indicates intentional disregard for my consumer rights, leading me to seek legal action through my lawyer. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts were created in my name without my knowledge or consent. These accounts are negatively impacting my credit and financial stability.

Under the Fair Credit Reporting Act 605B, once a consumer submits ( 1 ) an Identity Theft Report, ( 2 ) proof of identity, and ( 3 ) a written request, the credit reporting agencies are required to block identity theft accounts within 4 business days.

I sent a complete 605B Identity Theft Package to this bureau, including : Identity Theft Report ( Police/FTC Affidavit ) Proof of address A 605B mandatory block letter A detailed list of fraudulent accounts The bureau has failed to remove or block these fraudulent accounts despite receiving my complete documentation.

These accounts do not belong to me and were created using stolen personal information. They must be removed immediately under federal law. I am requesting CFPB enforcement for non-compliance with FCRA 605B mandatory 4-day blocking requirements. 

Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XX/XX/year>, I applied for a XXXX XXXXXXXX through XXXX XXXX. I was approved, however, I NEVER received the physical credit card at my address. 
Because I never received the card, I was UNABLE to access my account online. The company 's website and app require the XXXX card number to register, recover usernames, or reset passwords. Without the physical card, I had no way to obtain this number. 
I received XXXX  text messages from an unfamiliar phone number ( XXXX ) mentioning payments due. These messages appeared indistinguishable from the many phishing/scam text messages consumers receive daily. As a security-conscious consumer, I did not click any links or respond to these suspicious-looking messages. 
On XX/XX/year>, I discovered my credit score had dropped XXXX points due to a delinquent account reported by XXXX XXXX ( XXXX XXXX  ). This was the FIRST time I became aware of any balance owed. 
I immediately called XXXX XXXX customer service. During this call : 1. They confirmed my address on file is correct 2. They REFUSED to provide my account number over the phone 3. They said the card would be mailed within 14 days- acknowledging I still don't have it 4. I could not make payments online because I can not log in without the card number KEY ISSUES : - I NEVER received the physical credit card - I NEVER activated the card- I NEVER made any purchases or transactions- I COULD NOT access my account to view statements or make payments - I am being charged fees ( {$200.00} ) for a product I never received and could never use This situation is fundamentally unfair. XXXX XXXX failed to deliver the product I applied for, then made it impossible for me to access my account, and is now damaging my credit for fees on a card I never had. Their only notification method ( XXXX ) appeared identical to common scam messages.

I am requesting : 1. Removal of all negative information from my credit reports 2. Closure of this account 3. Waiver of all fees charged for a product I never received

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 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Date : XX/XX/year> XXXX XXXX Mail & Electronic Communication XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Notice Account Number : XXXX To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, that I am requesting you cease and desist all communication with me regarding the above-referenced account. 

This request includes, but is not limited to : Telephone calls Written correspondence Electronic communications Reporting, updating, verifying, or re-reporting this account to any consumer reporting agency, as such reporting constitutes a form of communication under the FDCPA You are hereby directed to immediately cease all collection activity, including continued credit reporting or furnishing of information related to this account.

Any further communication from your companyoutside of one written notice confirming compliance with this request or notice of specific legal action you intend to takewill be considered knowing and willful noncompliance with federal law and may subject you to civil liability under 15 U.S.C. 1692k.

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Complaint Text ( Optimized ) : I am submitting this complaint regarding unexpected interest charges on my PayPal Cashback XXXX Mastercard, issued by Synchrony Bank, caused by an autopay configuration error. 

Timeline of events : 1. Around XX/XX/year>, I updated my bank information due to a bank name change ( same bank, same account ). After this update, interest charges appeared on my account, which was unusual, as I always pay my full statement balance on time via autopay. 

2. Upon noticing the interest, I contacted customer service to request an explanation and to ensure that autopay was set to pay the full statement balance. Despite this, autopay remained set to the minimum payment, and interest continued to accrue.

3. On XX/XX/year>, I discovered that autopay was still configured as minimum payment. I immediately corrected it to pay the full statement balance. 

4. I escalated the issue to a manager and requested a credit for the interest charges resulting from this autopay configuration error. The manager refused, citing a note indicating I requested minimum payment, which is incorrect and inconsistent with my payment history and prior instructions. 

5. The interest in question totals {$16.00} for the most recent billing cycle ( XXXX ). I have previously paid additional interest of {$32.00} earlier this year due to the same issue. 

Resolution requested : 1. Review this autopay configuration error 2. Credit all interest charges resulting from this issue, including interest already paid 3. Confirm in writing that my autopay is set to pay the full statement balance unless I explicitly request otherwise This complaint is about correcting the outcome of a system error, not disputing phone records or notes. I have made multiple attempts to resolve this issue with customer service and management, without success.

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 2025-12-21 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA ( Apple Card ), XXXX, and XXXX  for multiple violations of the Fair Credit Reporting Act.

My Apple Card account contains the following issues : 1. Credit limits differ across all three bureaus 2. High credit amounts do not match 3. XXXX  reports a {$0.00} limit, which is impossible 4. A 30-day late is reported despite the account showing paid/closed, {$0.00} balance, and {$0.00} past due 5. The required Date of First Delinquency is missing 6. The Date Last Active is AFTER the Date Last Payment 7. Missing account details violate FCRA 609 8. Creditor comments do not match across bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a gift card and have not used it. Says it is for {$75.00}. I called to check balance today XX/XX/25 and says cant be found. I called the number on the card and she looked up using barcode on back and said the balance is {$0.00}. 

I said how can that be, Ive never used it, its still in the package it was gifted to me in. And she then said on XX/XX/25 in the amount of {$75.00} it was used at XXXX XXXX in XXXX and I said hmm that seems weird for the exact amount as well and seemed like that was where it was purchased.

She then told me I have to fax or send a letter with my dispute. Name. Address. Social. Copy of my govt id that I did not authorize and never used the card. 

This seemed like a red flag and I researched and others have had exact same issue. And said to file a dispute and report to you.

This is through prepaidgiftbalance.com Let me know if you need the 16 digit, bar code, security code and exp date.

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 2025-12-21 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: TN

Complaint narrative:
What happened? 
I am disputing inaccurate and unverifiable credit reporting by Experian and TransUnion involving multiple accounts and inquiries. 
A business credit card account ( XXXX CARD ) is being reported as XXXX  days past due, even though the payment history for the same account is shown as No Info, Unknown, or Data Unavailable for the relevant months. The report also reflects XXXX instances of XXXX late payments while simultaneously assigning a worst payment status of XXXX days late. These entries are internally contradictory and factually impossible. An account can not be reported as delinquent when payment data is unavailable or missing. 
Despite these contradictions, the credit reporting agencies continue to report a past-due balance and delinquency without providing verifiable documentation such as a valid billing statement, due date, or complete payment ledger. This indicates a failure to ensure accuracy and a failure to conduct a reasonable reinvestigation. 
Additionally, TransUnion is reporting an auto loan ( XXXX XXXX ) that does not belong to me. I have no contractual relationship with this lender, yet the account remains on my credit file. 
TransUnion is also reporting multiple hard inquiries that were not authorized by me, including inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX. These inquiries were made without my permission and should not be on my credit report. 
I disputed these items directly with the credit reporting agencies and clearly identified the inaccuracies and identity-related errors. Despite my disputes, the information has continued to be reported without correction or deletion. 
As a result of these issues, my credit profile has been harmed, my credit utilization has been artificially inflated, and I have been subjected to negative credit decisions and adverse terms. 
I am requesting that the CFPB require Experian and TransUnion to : Delete the inaccurate and unverifiable delinquency related to the business credit card Remove the auto loan that does not belong to me Delete all unauthorized hard inquiries Provide written confirmation of the corrections

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 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Credit Acceptance Corporation. I previously disputed this account with credit bureaus, but the bureaus " verified '' the information without providing any original documentation or proof from the lender. 

This is a violation of my rights under the Fair Credit Reporting Act, which requires all information to be accurate, verifiable, and supported with documentation. I am requesting that the CFPB investigate this matter and require the lender and the credit bureaus to provide proper validation or remove the inaccurate account from my credit profile.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has an existing credit report in my name, but my Experian account and FICO score have been unavailable for over XXXX  years.

Phone support stated my details did not match, despite prior verification attempts.

This indicates a split or orphaned credit file.

I am requesting manual identity verification and a full credit file merge so my credit history correctly links to my Experian profile and my score can be generated.

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 2025-12-21 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: NY

Complaint narrative:
I am reporting identity theft involving the unauthorized use of my personal information. One or more accounts and transactions were opened or made in my name without my knowledge or consent, including financial, utility, and/or online service accounts. I did not apply for, authorize, or benefit from these accounts or activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reporting identity theft involving the unauthorized use of my personal information. One or more accounts and transactions were opened or made in my name without my knowledge or consent, including financial, utility, and/or online service accounts. I did not apply for, authorize, or benefit from these accounts or activities.

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 2025-12-21 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: NY

Complaint narrative:
I am reporting identity theft involving the unauthorized use of my personal information. One or more accounts and transactions were opened or made in my name without my knowledge or consent, including financial, utility, and/or online service accounts. I did not apply for, authorize, or benefit from these accounts or activities.

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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Have requested by phone past statements ( XX/XX/XXXX through XX/XX/XXXX ) for a divorce litigation. Have been told several times that they have no access to this account or have no records available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
In XXXX, XXXX  XXXX experienced a massive data breach that exposed the sensitive personal information of approximately 147 million Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation