vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
I am a victim of identity theft. XXXX XXXX Bank, XXXX XXXX, and XXXX all opened credit card accounts in my name without my knowledge or consent. I never applied for, received, activated, or used any of these accounts. 

These accounts appeared on my credit report unexpectedly and are negatively impacting my credit score. I have never had any financial relationship with these companies and did not authorize any person or entity to open accounts on my behalf. 

I am requesting that all three companies immediately : XXXX. Close and remove the fraudulent accounts. 
XXXX. Provide copies of the account applications, including the date of application, IP address used, application channel ( online, phone, mail ), and any associated signature or identification documents. 
XXXX. Confirm in writing that I am not responsible for any charges or balances. 

I have filed an identity theft report through the Federal Trade Commission ( XXXX ) and submitted disputes to Experian, XXXX, and TransUnion under FCRA XXXX to have these fraudulent accounts blocked from my credit report. 

I am also requesting that the CFPB ensure these creditors comply with their legal obligations to investigate and correct the fraudulent 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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I received letter correspondence from IC System dated XX/XX/year>. I sent a letter back to IC System requesting debt validation including the debt transfer/assignment agreement, chain of custody, etc. The letter was sent by me XX/XX/year> via certified US Mail. The letter was received by IC System XX/XX/year>. IC System in turn sent me a letter back saying it cease all communications. Attached was a copy of a purported bill from a purported creditor. No where on this purported bill is IC System listed as an assignee of this purported debt nor was the debt validation information I requested provided. IC System also threatened to damage my credit in this recent letter after I respectfully requested debt validation, which is my right to request and to receive as a consumer under the FDCPA. Attached is the response to XXXX System yet again requesting proper and complete validation of debt in the form of all relevant documentation requested.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I trust that everything is going well. I am composing this letter to discuss the accounts listed below. That information is included in my credit report and is having a significant impact on me. I am a victim of identity theft, and my information was compromised, resulting in the appearance of these accounts on my credit report. I am genuinely affected by these accounts, as they are not mine and I should not be held accountable or responsible for something that was opened without my knowledge. I am confident that you would not wish to pay for a service or product about which you are unaware, have not conducted business with, or have received any service.

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 2025-10-30 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, LA XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX COLLECTION SV - XXXX XXXX AUTO - XXXX PROFESSIONAL CREDIT MA - XXXX XXXX  RM - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX  AUTO SALE - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge 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: MI

Complaint narrative:
I canceled my XXXX flight tickets with XXXX  airlines after XXXX hours of reservation. According to the XXXX XXXX cancellation policy and a confirmation call with XXXX of their customer service agent, I have the right for taking my full refund. I tried all possibilities to contact the XXXX XXXX sale department to solve this issue but they didnt answer even though I submitted a claim with my ticket numbers. It seems they cheated their customers and closed the claims without investigation. I asked Synchrony bank to dispute this purchase because I didnt use the tickets at all and they were canceled after just XXXX hours from the reservation. The Synchrony bank accepted the dispute and close the case. I was shocked when I saw the Synchrony bank charged me again through my PayPal account after XXXX months even though I called it multiple times and submitted all required documents to show my right but without any advantage. The dispute is still open and they changed me late fee each month even though I closed my account from the first time with PayPal because they were not honest about my financial protection. I hope you support my right to get my full refund back because I have financial difficulties as a single mother after I lost my job according to the economic situation. The main purpose of this trip was to find a new job overseas. Thanks in advance for your help.

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 2025-10-30 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: AL

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: VA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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 2025-10-30 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: CO

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-30 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:
Can you confirm this entrys accuracy? It came in late and could be flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

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 2025-10-30 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circums
tances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation
of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-30 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: AR

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-30 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies and the furnishers listed below for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My credit report contains serious inaccuracies that have caused damage to my financial standing and credibility. The reporting agencies have failed to maintain reasonable procedures to assure maximum possible accuracy of the information as required under FCRA 1681e ( b ) and failed to conduct proper reinvestigation under FCRA 1681i ( a ). I am requesting a full investigation and immediate correction or deletion of the inaccurate information listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are incorrect and were never associated with me. Their presence violates FCRA 607 ( b ) and must be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$10000.00} Late payments are unverified and lack proof. Under FCRA 611 ( a ), unverifiable information must be corrected or deleted. 

XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX | Balance : {$2500.00} This account is outdated and still reports late payments without validation, violating FCRA 607 ( b ). Delete immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$96000.00} There is no verified evidence of any late payments. Reporting unverified data violates FCRA 623 ( b ). Remove this inaccurate reporting. 

XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX | Balance : {$1500.00} No valid documents were provided to support late payments. This violates FCRA 611 ( a ). Delete this unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$350.00} This collection account has no proof of ownership or validation of debt. Reporting without documentation violates FCRA 602 and 623 ( b ). Delete immediately. 

XXXXXXXX XXXX XXXXXX/XX/XXXX This hard inquiry was unauthorized and lacks a permissible purpose, violating FCRA 604 ( a ) ( 2 ). Remove this inquiry immediately. 

The continued inclusion of false addresses and unverifiable payment data on my credit report demonstrates negligence and noncompliance with federal law. These inaccuracies have caused significant emotional distress and financial harm, directly affecting my ability to obtain fair credit. I respectfully request that the CFPB review this complaint and take appropriate enforcement actions to ensure that my rights under the Fair Credit Reporting Act are upheld.

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 2025-10-30 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
Complaint Summary for CFPB Submission Acrisure Mortgage ( formerly XXXX XXXX ) violated RESPA escrow accounting laws by allowing my escrow account to go negative multiple times, then charging me for their errors through increased escrow payment requirements. They failed to maintain the required escrow cushion under XXXXXXXX XXXX XXXXXXXX and improperly increased my monthly payment ( increased {$1000.00} in XX/XX/year> ) due to servicer-caused shortages with no 30 day notification. 

I am requesting correction of escrow records, refund of shortages, corrected monthly payment, and regulatory enforcement review. 

Loan # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My Capital One 360 Checking account ( ending XXXX ) has been under review and inaccessible since XX/XX/year>, holding {$14000.00}. 

Capital One notified me of unusual activity ; I verified all transactions as legitimate personal XXXX transfers and repeatedly contacted support. Despite full cooperation, no final decision or communication has been provided. 

I escalated this on XX/XX/year>, but the XXXX office email bounced. I am now resubmitting to the XXXX XXXX XXXX and filing this complaint because my funds remain frozen indefinitely. 

This violates the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ), which requires timely investigation or provisional credit, and likely constitutes an unfair and abusive act under XXXX XXXX XXXX 

Requested resolution : Immediate release or transfer of my full balance. 
Written explanation for the freeze and delay. 
Assurance of compliance with XXXX and CFPB regulations. 

I have attached my original escalation email and XXXX XXXX  review notice for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I have tried reaching out 2 times to cancel there XXXX XXXX XXXX service I advise customer service it will not allow me to cancel it say I need to wait untill XX/XX/year> I advised them I no longer want there service and to stop pulling {$48.00} + {$9.00} membership fee for a loan of {$1000.00} i never received nor do ibwant because the way it was explained I could cancel any time and the money was held in a savings account which I was told after that's now how it works try to cancel 3 times and once I mention cancel the representative no longer respond

Company response to consumer: Closed with explanation