vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate payment information being reported on my credit files by Experian, TransUnion, and Equifax concerning my XXXX XXXX account. 

Beginning in XX/XX/year>, I noticed that my XXXX payment history is either not reported at all, reported inconsistently, or marked incorrectly as late. Specifically, some payments are shown as 30 days late, even though I have made all payments on time. 

This reporting error has resulted in damage to my credit score and does not accurately reflect my payment history. I have attempted to resolve this matter directly with the credit bureaus and XXXX, but no corrections have been made.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-11 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: IA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : 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 2025-06-11 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My cousin utilized my name and credit info to open up some accounts that are not mine. He did this because he didnt have the ability to open them on his own, but I never gave him permission to open these. I want these taken from my credit because they are not mine. My cousin has returned to XXXX and I cant reach him, please get this resolved and removed asap as they are not my accounts. Thank you for you 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 2025-06-11 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Macys sent a generic response stating their records were correct but failed to provide any documentation, proof of use, or account activity. They also misspelled my last name, which raises a red flag about the accuracy of their records. The Macys/XXXX  account belongs to my mother, and I have a signed letter from her confirming that I was added without my knowledge or consent. I have never used this card, never authorized being added, and had no involvement with the account. Despite this, the account continues to report on my credit file and is actively damaging my score and preventing me from securing a mortgage. Their failure to provide proper verification is a direct violation of my rights under the Fair Credit Reporting Act.

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 2025-06-11 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: NY

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-11 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:
There are entries on my credit report that I do not recognize and did not authorize. These accounts are fraudulent and should be removed. Under 15 U.S.C. 1681g, I request that you delete them within 15 days. Supporting evidence is included with this dispute.

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have received debt validation of this alleged debt I still claim is not mine. A credit report was sent out with information that is not mine addresses that are not mine employment that is not correct. Just today I received a phone call asking for one XXXX XXXX. This name has plagued me since the early XXXX it's is not me however the credit reporting agencies and the information systemy they branch out to to validate debt are inaccurate it's one big joke. They can not get it right. I'm upset and tired of this. XXXX addresses, I never in my lifetime on this earth lived in XXXX. Ever. I get stuff on my credit report never good stuff it's always negative bad delinquent not paid stuff. I lived in Illinois as a kid again nowhere near XXXX. As a teenager took a girl up to XXXX XXXX  " XXXX " on a motorcycle to XXXX XXXX. I lost my bilfold like in 1999 on this trip setback wallet on the saddle bags left a gas station saw it fall it had. Social security card, drivers licens, foid card, I don't even know what all was in it by the time I seen it fall off the bike while driving in traffic by the time I turned around it was gone!. That fast. With this now I get to fight this battle you all reach out to XXXX XXXX  and many other data information who are giving you bogus information. You claim validated. Give me the itemized list of what you say I bought I would love to see all charges what they were and where what was bought etc. Dont bill me of you can't show me the receipt. Currently bank of America has XXXX  and XXXX XXXX XXXX, all trying to collect on this debt. Give me a break fair act credit reporting do your job better delete this garbage and let me get back to normal.

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 2025-06-11 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists Dispute these Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Reporting false information within my credit report for a balance of {$990.00}. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment. Under 15 U.S Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agencThe treatment of unverifiable information when sending over the disputes is clearly unlawful under 15 U.S code 1681 ( 0 ).

There is no account level documentation because the accounts are inaccurate and don't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am submitting this complaint to report a pattern of adverse credit actions taken by Synchrony Bank that have materially and negatively affected my credit profile despite a perfect history of timely payments and responsible account management. 

I am a federal employee, and like many others, I am already under significant stress due to uncertainty in my job status and the rising cost of living. As prices for everyday essentials have increased, many consumers, myself included, have had to rely more on available credit to help manage expenses not because of financial irresponsibility, but due to economic necessity. 

Despite this, Synchrony Bank has unilaterally closed or significantly reduced the credit limits on multiple accounts that were in good standing, including : Closed : Lowes, JCPenney, HSN, and JCI cards totaling over {$14000.00} in lost available credit. 

Reduced : Amazon, PayPal Credit, T.J.Maxx, and CareCredit removing nearly {$6000.00} in available credit. 

These decisions were made without any notice, meaningful explanation, or opportunity for me to respond and they occurred despite a perfect or near-perfect payment history across all Synchrony accounts. I have not defaulted, and Ive only ever missed a payment once or twice in my entire time with Synchrony never resulting in delinquency or collections. Every account has been paid on time and managed responsibly. 

Now, as a result of these sweeping and arbitrary actions : My credit utilization ratio has skyrocketed, damaging my credit score.

My credit report now inaccurately reflects risk, due to too many accounts with balances, which only occurred after Synchronys reductions.

I am facing higher interest rates on other loans and credit products, at a time when every dollar counts. 

The emotional and financial strain of this situation has become overwhelming, particularly given my public service position and economic pressures outside of my control. 

Furthermore, this issue appears to go well beyond my individual experience. Many other consumers have recently reported similar complaints alleging that Synchrony Bank has unjustifiably closed accounts or drastically reduced credit limits, resulting in damage to otherwise healthy credit profiles. This suggests a broader systemic practice that is harming responsible borrowers on a large scale.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My credit card payment with Capital One is due on the XXXX of the month. Today the XXXX I go into make my payment and find out I had gotten a {$40.00} late fee because I did not make my payment by XXXX XXXX. I live in Oklahoma so XXXX XXXX, which means I would have to make my payment by XXXX. I find it outrageous that this company will consider a payment done the day of the due date late because they want it by a specified time. Not other credit company does this. I called their customer service who didnt even attempt to credit the fee, they simply said no we refunded a fee in XXXX. I asked to speak to some higher and he said no my boss doesnt take calls, youll have to call back and speak to someone else at a later time. It baffles me that only stick to their policy and dont take care of an issue on a case by case basis. I would understand if I was a couple of days late but merely XXXX hours???? And becuase its their policy that you MUST make your payment by XXXX XXXX. While I appreciate the refund in XXXX, my issue is that Im being told Im late because I didnt make my payment by XXXX my time! It blows my mind. I would like to receive a refund of the late fee and I will make sure my payments are done before XXXX XXXX  so I dont have this issue again. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CO

Complaint narrative:
I'm writing to dispute inaccurate and unacceptable information that has appeared on my credit report. After carefully reviewing my file, I noticed an entry that is completely incorrect, and I am demanding that it be fully investigated and removed immediately. 

This particular item is either outdated, misreported, or was added without proper verification. In some cases, entries like this result from clerical errors, identity mix-ups, or worsefraudulent activity. Whatever the cause may be, I had no involvement in or knowledge of the action that led to this listing, and it absolutely does not belong on my report.

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 2025-06-11 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: FL

Complaint narrative:
I am disputing the validity and reporting of an account that originated in XXXX. This debt is over XXXX XXXX XXXX and by law, it should no longer be reported on my credit report. Furthermore, I never authorized the transfer or sale of this account, and I was not notified of such actions. Any collection activity on this debt is not only inaccurate but unlawful under federal and state laws. They are also re-aging the debt ( illegally changing the delinquency date ) which is a serious violation.

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