vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 XXXXXX/XX/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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing multiple accounts on my credit report due to inaccuracies, outdated information, and potential impacts from a data breach involving my personal information. 

Specifically : XXXX  ( XXXX XXXX XXXX ) : This account was charged off in XX/XX/XXXX for {$210.00}, though I made a payment of {$300.00} on XX/XX/XXXX. The account continues to report a balance and payment history inconsistently across Experian and XXXX. 
XXXX  XXXX : This credit card account, opened in XX/XX/XXXX, was charged off in XX/XX/XXXX. However, the payment history shows no activity after XX/XX/XXXX, and the past due amount of {$200.00} has not been verified. I was not notified of charge-off status or collections prior to this. 
XXXX ( XXXX ) : A collection account for {$2400.00} was reported without adequate verification or communication. The account was closed in XX/XX/XXXX and began reporting as a collection in XX/XX/XXXX. I previously disputed this with no resolution. 
XXXX XXXX : A second collection for {$1100.00} was opened in XX/XX/XXXX, marked as placed for collection in XX/XX/XXXX, and never resolved or verified directly with me. 
XXXX XXXX XXXX ( XXXX XXXX ) : This account was opened in XX/XX/XXXX and is currently in collections for {$390.00}. I have not received any original creditor documentation or official notice from this collection agency. 

In all cases, the reporting has been inconsistent or unverifiable, and I have reason to believe some accounts may have been affected by identity misuse related to a recent data breach. I am requesting a thorough reinvestigation in accordance with the FCRA and 15 USC 1681c-2, and that all unverifiable or inaccurate accounts be corrected or deleted. 

Thank you for your time and 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 2025-07-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MS

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PR

Complaint narrative:
I called XX/XX/XXXX at XXXX XXXX  and requested assistance on resetting my password because ally bank locked my account for no reason but the person on the phone couldnt help me after answering all the security questions they keep giving me the run around when I just want to access 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 explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Synchrony Banks closure of XXXX of my credit accounts, despite my perfect payment history and no derogatory activity on my part that would justify such action : XXXX XXXX / Synchrony Bank Opened XX/XX/XXXX Closed XX/XX/XXXX 100 % on-time payments XXXX XXXX Synchrony Bank XXXX XX/XX/XXXX Closed XX/XX/XXXX 100 % on-time payments Both accounts were closed for inactivity without prior notice nor opportunity to act. 

These closures and the forced reapplication process harm my credit standing in multiple ways : The closures stopped these accounts from continuing to contribute to my available credit and the growth of my average account age, both of which hurt my credit score. 

The percentage of credit I am utilizing has increased as a result, further harming my score. 

Reapplying would generate XXXX new hard pulls, causing further unnecessary harm to my credit for another XXXX years. 

Too many hard pulls and reduced credit strength severely limit my ability to refinance my home or apply for a new mortgage. 

Synchrony has informed me that even if I open these new accounts, they reserve the right to close them at any time, for any reason, leaving me exposed to the same harm all over again. 

This practice is unfair to responsible consumers. Closing accounts solely for inactivity penalizes customers who have done nothing wrong, damages credit profiles, and serves no practical purpose. 

I am submitting this complaint so that regulators and consumer protection agencies are aware of Synchrony Banks harmful account closure practices.

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 2025-07-04 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1666b, I have the right to request verification of information.

If the furnishers of this data cant provide verification, these entries must be corrected or removed. I formally request that your agency : Investigate the accuracy of each late payment report as well as Contact the respective creditors XXXX, XXXX, and State Employees Credit Unionto verify the legitimacy of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: Self Financial Inc.
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1666b, I have the right to request verification of information. 
If the furnishers of this data cant provide verification, these entries must be corrected or removed. I formally request that your agency : Investigate the accuracy of each late payment report as well as Contact the respective creditors XXXX, Self, and XXXX XXXX XXXX XXXX verify the legitimacy of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: FL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I received an offer via email for XXXX bonus miles instead of XXXX bonus miles. When I called to get a new business credit card around XX/XX/XXXX or XXXX, 2025, the representative scammed me and only offered me XXXX bonus miles instead of the XXXX bonus miles as advertised. I realized this and contacted Delta. Delta reassured me that I would get the XXXX bonus miles as advertised. Amex is not honoring the XXXX bonus miles offer that was advertised and only gave me XXXX miles instead of the XXXX miles. I filed claims with Delta and Amex and submitted screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: DC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-04 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX was stolen by my x wife and she was my XXXX  XXXX  when she did this to me when I was sleeping she also took pictures of my credit cards and she did what they call a computer take over of all my accounts and processed to steal around XXXX dollars across XXXX major credit cards and my business checking account I called the police immediately and they made a police report and they did not pursue her so I made more police reports because she continued to do it again about a week later I have XXXX police reports the police know she did this and did nothing about it I went to my bank branch and showed the representative the police report and she said she was going to close down my overdraft account immediately and she forgot to do it and then she retired from the bank with out my knowledge the account was being reported late for many months when I found out I went back to the bank and then they assured me that they would fix it and apologized I have the paperwork the new bank representative submitted claiming responsibility for the bank error and the bank refuses to remove it off my credit reports not only was it fraud/thrift I even paid the XXXX $ and they still wont fix this bank account I have never been late on any of my other accounts on my credit bureaus you can clearly see that this is not my fault how can they get away with this and I even filed a FTC report and they still refuse to update it to never late or just remove it off my credit reports I paid for something that I was not even responsible for

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 2025-07-04 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX I have disputed this account with the credit reporting agency, and they have failed to provide verified documentation within the required time frame. 

I demand deletion of the following inaccurate or fraudulent item ( XXXX ) from my credit report as they were not verified in compliance with federal law. 

According to the FCRA, the consumer reporting agency must delete or correct inaccurate, incomplete, or unverifiable information within XXXX days of receiving a dispute. 

I am requesting that this item be deleted or corrected immediately and that I receive confirmation of the resolution. 


I am invoking my right to block identity theft-related information under XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: DISCOVER BANK
State: NV

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and/or 15 USC 1681c2 . I have disputed this account with the credit reporting agency, and they have failed to provide verified documentation within the required time frame.

I demand deletion of the following inaccurate or fraudulent item ( s ) from my credit report as they were not verified in compliance with federal law.

According to the FCRA, the consumer reporting agency must delete or correct inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. 

I am requesting that this item be deleted or corrected immediately and that I receive confirmation of the resolution.

I am invoking my right to block identity theft-related information under 15 U.S.C. 1681c2.

Company response to consumer: Closed with non-monetary relief