vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically section 611 ( 15 u.s.c. and 1681i ), 609 ( 15 u.s.c. and 1681i ) and 604 ( 15 u.s.c. and 1681b ).

after reviewing my credit report, I have identified the following inquiries that I do not recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: AA

Complaint narrative:
XXXXynchrony Banks payment website took a double payment. Often, the app will not let me pay my entire balance, let alone make an overpayment. This time, the website took an additional {$120.00} plus change, resulting in a negative balance. I do not have a savings or other account with Synchrony, and it has no right to keep my money.

I contacted Synchrony per their chat to request the money be returned to my bank ( USAA ). Synchronys representative told me that they could not refund via electronic transfer due to policy and internal security. Synchronys representative told me they would only process a refund by mailing a paper check to me. I work overseas at a U.S. embassy and get all mail through a DPO, without a brick-and-mortal bank at which to cash a check, so I said that wouldnt help.

Synchrony is an electronic banking company that I use exclusively for electronic financial transactions, so I do not believe they can not make an electronic financial transaction. Even if true, the idea that an electronic finance company cant process an electronic financial transaction due to internal security is alarming. I asked what the policy or process would be if I were to terminate my account. I was immediately disconnected from the chat.

I attempted to resolve my issue through chat twice more times. Each time I was disconnected. 
When I returned home, used their webpage to send a message. The page says the company will respond within XXXX hours. Synchrony did not respond. I followed up on my request on XX/XX/year>. Synchrony responded to my message, but eventually told me I would need to call them. I had already indicated several times that I preferred to contact them in writing because I dont want to be charged for an international call. When I asked again for a solution or at least an assurance that Synchrony would, in fact, return my money, my messages were blocked.

Synchrony has not engaged in a good faith effort to resolve my issue and has actively sought to make customer service more difficult by cutting off written communication which is free and provides a record. They have given me no explanation and now, instead of merely blowing me off, are refusing to answer at all. 
Further, when I tried to return to the website to check the balance, it will no longer load for me when I try to enter via XXXX. I copied and pasted the message center exchange to Word when my messages began being blocked, see attached ). Entering a different way, the Chat will not provide my account number. Synchrony appears to be actively avoiding my concern instead of attempting to solve it by returning my money.

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 2025-05-26 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-26 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: NV

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 non-monetary relief
Consumer complaint received 2025-05-26 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XXXX Date : XXXX/XXXXXXXX  To Whom It May Concern, Im writing to respectfully request a goodwill adjustment for a XXXX XXXX account reported delinquent by my loan servicer, XXXX. While I understand the importance of making timely payments, I hope youll consider the context of my situation and the steps Ive taken to make things right. 
Earlier this year, I experienced a serious hardship my mother passed away, and shortly after, I lost my job. During this time, I moved and was unaware that my student loan had entered repayment. I didnt receive any notice or billing communication from XXXX XXXX and by the time I realized my account was delinquent, the damage to my credit had already occurred including a drop of over XXXX points in my score. 
As soon as I became aware, I immediately paid the past due balance of {$470.00} on XX/XX/XXXXXXXX and have since made all monthly payments ahead of schedule : {$94.00} paid on XX/XX/XXXXXXXX XXXX  and XX/XX/XXXX XXXX I also have the next months payment already scheduled for XX/XX/XXXXXXXX XXXX. My account is fully current and has remained in good standing since. 
My XXXX XXXX balance is modest {$8500.00}, with manageable monthly payments of {$94.00}. I take full responsibility for the oversight, but I want to stress that it was due to personal loss, job loss, and a lack of communication during a very difficult time. 
I am now XXXX XXXX XXXX, newly employed full-time with an annual salary of {$52000.00}, and am working hard to rebuild. This delinquency does not reflect my overall payment behavior I currently have a 97 % on-time payment history across my credit accounts. Unfortunately, this single event is now severely impacting my ability to move forward in life, including renting a home, qualifying for a mortgage, and other important financial steps. 
I kindly ask for a goodwill removal of the delinquency from my credit report. The loan was brought current just days after the late payment was reported, and I have remained in good standing since. This adjustment would more accurately reflect my financial responsibility and would mean a great deal as I move forward in this new chapter of life. 
Thank you for your time, understanding, and consideration. 
Sincerely, XXXX XXXX Last 4 Digits of SSN : XXXX, Date of Birth : XX/XX/XXXX, Previous Address : XXXX XXXX XXXX, XXXX, MD, XXXX, Previous Address : XXXX XXXX XXXX XXXX, XXXX, MD, 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 2025-05-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, Im writing to respectfully request a goodwill adjustment for a XXXX XXXX account reported delinquent by my loan servicer, XXXX. While I understand the importance of making timely payments, I hope youll consider the context of my situation and the steps Ive taken to make things right. 
Earlier this year, I experienced a serious hardship my mother passed away, and shortly after, I lost my job. During this time, I moved and was unaware that my student loan had entered repayment. I didnt receive any notice or billing communication from XXXX XXXX and by the time I realized my account was delinquent, the damage to my credit had already occurred including a drop of over XXXX points in my score. 
As soon as I became aware, I immediately paid the past due balance of {$470.00} on XX/XX/XXXX, and have since made all monthly payments ahead of schedule : {$94.00} paid on XX/XX/XXXX, and XX/XX/XXXX. I also have the next months payment already scheduled for XX/XX/XXXX. My account is fully current and has remained in good standing since. 
My student loan balance is modest {$8500.00}, with manageable monthly payments of {$94.00}. I take full responsibility for the oversight, but I want to stress that it was due to personal loss, job loss, and a lack of communication during a very difficult time. 
I am now XXXX XXXX XXXX, newly employed full-time with an annual salary of {$52000.00}, and am working hard to rebuild. This delinquency does not reflect my overall payment behavior I currently have a 97 % on-time payment history across my credit accounts. Unfortunately, this single event is now severely impacting my ability to move forward in life, including renting a home, qualifying for a mortgage, and other important financial steps. 
I kindly ask for a goodwill removal of the delinquency from my credit report. The loan was brought current just days after the late payment was reported, and I have remained in good standing since. This adjustment would more accurately reflect my financial responsibility and would mean a great deal as I move forward in this new chapter of life. 
Thank you for your time, understanding, and consideration. 
Sincerely, XXXX XXXX Last 4 Digits of SSN : XXXX, Date of Birth : XX/XX/XXXX, Previous Address : XXXX XXXX XXXX, XXXX, MD, XXXX, Previous Address : XXXX XXXX XXXX XXXX, XXXX, MD, 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 2025-05-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, Im writing to respectfully request a goodwill adjustment for a XXXX XXXX  account reported delinquent by my loan servicer, XXXX. While I understand the importance of making timely payments, I hope youll consider the context of my situation and the steps Ive taken to make things right. 
Earlier this year, I experienced a serious hardship my mother passed away, and shortly after, I lost my job. During this time, I moved and was unaware that my XXXX XXXX had entered repayment. I didnt receive any notice or billing communication from XXXX XXXX and by the time I realized my account was delinquent, the damage to my credit had already occurred including a drop of over XXXX points in my score. 
As soon as I became aware, I immediately paid the past due balance of {$470.00} on XX/XX/XXXX, and have since made all monthly payments ahead of schedule : {$94.00} paid on XX/XX/XXXX, and XX/XX/XXXX. I also have the next months payment already scheduled for XX/XX/XXXX. My account is fully current and has remained in good standing since. 
My student loan balance is modest {$8500.00}, with manageable monthly payments of {$94.00}. I take full responsibility for the oversight, but I want to stress that it was due to personal loss, job loss, and a lack of communication during a very difficult time. 
I am now XXXX XXXX XXXX, newly employed full-time with an annual salary of {$52000.00}, and am working hard to rebuild. This delinquency does not reflect my overall payment behavior I currently have a 97 % on-time payment history across my credit accounts. Unfortunately, this single event is now severely impacting my ability to move forward in life, including renting a home, qualifying for a mortgage, and other important financial steps. 
I kindly ask for a goodwill removal of the delinquency from my credit report. The loan was brought current just days after the late payment was reported, and I have remained in good standing since. This adjustment would more accurately reflect my financial responsibility and would mean a great deal as I move forward in this new chapter of life. 
Thank you for your time, understanding, and consideration. 
Sincerely, XXXX XXXX Last 4 Digits of SSN : XXXX, Date of Birth : XX/XX/XXXX, Previous Address : XXXX XXXX XXXX, XXXX, MD, XXXX, Previous Address : XXXX XXXX XXXX XXXX, XXXX, MD, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMCB CARD is reporting inaccurate information under account number XXXX. The consumer states this account does not belong to them and no supporting documents were provided after dispute. The furnisher failed to follow the verification process under FCRA 623. We request deletion from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing a formal complaint against Experian, TransUnion, and Equifax for reporting inaccurate and fraudulent information on my credit reports. 

The following accounts and inquiries were not opened, authorized, or initiated by me and are the result of identity theft : XXXX XXXX XXXX XXXX Account listed with a balance of {$20000.00} XXXX XXXX loan account listed with a balance of {$30000.00} XXXX Department of Education Account listed with a balance of {$1000.00} XXXX Card Unauthorized credit inquiry reported in XX/XX/XXXX I have filed a police report with the XXXX Police Department ( Report # XXXX, filed XX/XX/XXXX ) and an Identity Theft Report with the FTC, which is attached for your review and documentation. These accounts were included in that report. Experian is continuing to report incorrect names and address on my file as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX Pa XXXX Despite notifying each credit bureau and providing the necessary documentation, these fraudulent items have not been removed. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting and prompt correction of any errors. 

I request that the CFPB take immediate action to investigate and ensure that all three credit bureaus permanently delete these fraudulent accounts and inquiry from my credit reports. 

Thank you for your attention to this matter.

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$290.00}

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 2025-05-26 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 is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$290.00}

Company response to consumer: Closed with non-monetary relief