vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/XXXX : I received a letter to my home from Synchrony Bank that I needed to make a payment to XXXX account. 
XX/XX/XXXX : I received a Notice or Right to Cure Default letter to my home. 
XX/XX/XXXX : I received a statement showing that I owed {$2200.00}. I called PayPal Credit/Synchrony Bank to inform them that this was a fraudulent account and that I never opened a PayPal credit card. Nor did I know what the {$2200.00} consisted of. I spoke to XXXX on XX/XX/XXXX at XXXX and she put in a fraud claim and was going to send out paperwork for me to submit re : account no. XXXX. She also informed me that purchases were made with XXXX XXXX XXXX ( I don't know what that is ) XX/XX/XXXX : I filled out the Fraud Investigation form that was sent to me & mailed it back to Synchrony Bank on XX/XX/XXXX. 
XX/XX/XXXX : I received a letter from Synchrony Bank that stated the PayPal account was closed and that they were notifying the credit agencies to remove this from my credit report. 
XX/XX/XXXX : I saw that my credit score went down by approx XXXX points. Only to find out that Synchrony Bank reported the fraudulent debt to all 3 credit agencies. When I called Synchrony Bank on XX/XX/XXXX and spoke to XXXX ; she informed me that they reversed the decision! I have no further correspondence from them ; and no letter of explanation! 
This card was opened under my Married Name only : I identify as XXXX XXXX when opening credit cards.

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 2025-05-13 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX  The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX  XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX  XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
XXXX XXXX : XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
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 2025-05-13 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 am writing to dispute a fraudulent XXXX XXXX account that has been reported on my credit file and subsequently sent to collections for {$1200.00}. This account was opened without my knowledge or consent and is the result of identity theft. 

The fraudulent XXXX account number is : XXXX My legitimate XXXX account , which I use for personal cell phone service, is not the account being reported and has never been delinquent or in collections. That account number is : XXXX ( included here only for distinction ). 

I am requesting that this fraudulent account be PERMATELY REMOVED from my credit report and that XXXX cease all collections activity related to this debt. 

To support my dispute, Ive included the following : A copy of the FTC Identity Theft Report I filed at IdentityTheft.gov A copy of my government-issued ID A copy of a recent utility bill to verify my current address A copy of my credit report with the fraudulent account highlighted ( pg. XXXX ) My police report case number : XXXX ( full report pending ) I did not authorize this account, nor have I ever used any services associated with it.

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 2025-05-13 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:
I am writing to dispute a fraudulent XXXX XXXX account that has been reported on my credit file and subsequently sent to collections for {$1200.00}. This account was opened without my knowledge or consent and is the result of identity theft. 

The fraudulent XXXX account number is : XXXX My legitimate XXXX account , which I use for personal cell phone service, is not the account being reported and has never been delinquent or in collections. That account number is : XXXX ( included here only for distinction ). 

I am requesting that this fraudulent account be PERMATELY REMOVED from my credit report and that XXXX cease all collections activity related to this debt. 

To support my dispute, Ive included the following : A copy of the FTC Identity Theft Report I filed at IdentityTheft.gov A copy of my government-issued ID A copy of a recent utility bill to verify my current address A copy of my credit report with the fraudulent account highlighted ( pg. XXXX ) My police report case number : XXXX ( full report pending ) I did not authorize this account, nor have I ever used any services associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-05-13 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-13 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: TX

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 2025-05-13 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian failed to respond to my Method of Verification request submitted under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). They closed my dispute without providing how they verified the item, who verified it, or what documents were used. I am still awaiting the outcome of their reinvestigation due by XX/XX/XXXX, but this is a separate violation of the Fair Credit Reporting Act. I requested the method of verification for two accounts that Experian marked as verified after I disputed them. Specifically, I asked Experian to provide the following under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : 1. The method used to verify the disputed information 2. The name, address, and contact information of the entity that verified the account XXXX. A copy or description of the documents or data used during the verification

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 2025-05-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-05-13 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: OH

Complaint narrative:
I am writing to formally dispute the inaccurate reappearance of a closed account on my credit report. This account was previously disputed and successfully removed from my credit file. However, upon reviewing my recent credit report, I have discovered that the same account has been reinserted. 
XXXX XXXX XXXX Date removed XXXX Under the Fair Credit Reporting Act ( FCRA ), if an account is reinserted into a consumers credit file after being removed as a result of a dispute, the credit bureau is required to notify the consumer within five business days of the reinsertion. I did not receive such a notice, which is a violation of the FCRA.

Please reinvestigate this matter and provide written confirmation that this account will be permanently removed from my credit file. Enclosed are copies of supporting documents, including prior dispute results and removal confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
They never sent me the credit card so i called to pay off the credit when i saw a letter buried in huge stash. I asked for access to my account they refused and said they can't give me online access till I can provide my credit card numbers. I asked them to deliver the credit card they said they can't do that till i pay off my debt. I paid off my debt not completely understanding how much interest and fees i was charged then asked to receive my credit card. A little bit later i receive a notification from XXXX XXXX saying my account with them is closed so i thought that was the end of that. Fast forward XXXX months and my credit score is in the gutter because they charged me interest that couldn't be paid at the time and now I have to 4 times that interest as late fees and missed payments so I opened the link provided in the mail " XXXX XXXX XXXX XXXX' to understand what is happening and it just shows a blue screen that doesn't load anything. To this day I can not gain access to an online way to see my account history and i was charged over XXXX $ on an XXXX $ purchase in fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I purchased a new 2025 XXXX XXXX Convertible After 6 hours at XXXX XXXX on Sunday we finalized everything including a new Lease with XXXX XXXX XXXX. 
Two days later I received a phone call from XXXX XXXX in XXXX, the VIN No. was inputted incorrectly on all paperwork. I went back to the dealership for another two hours while they sorted through everything. I was then assured the error was taken care of. 
I received online paperwork from XXXX XXXX XXXX Leasing Dept showing the incorrect VIN No. but made the payment anyway so my credit would not be compromised. I made numerous phone calls beginning with XXXX to explain the situation and how I made the payment to a car I do not own. Several individuals stated the following : 1. Oh, my I cant help you with that I will send you to our customer service. Then hang up 2. Oh, I am in the Leasing Dept I do not take care of this does your car only have one Vin No.? Which is an outrageous statement for someone who works in leasing cars. Of course, all cars have only 1 Vin No.

3. I am so sorry about all this mess I will give you another XXXX number to call perhaps they will understand everything. 
4. My last phone call about XX/XX/year> a nice women said Oh I see the problem yes you have two accounts with different Vin No. I will close the wrong account and transfer the $ $ to the correct account. Your next payment is due XX/XX/year>2025. 

My agreed upon payment is {$440.00}. To date I have paid the following : 1. {$2900.00} to XXXX XXXX for down payment and XXXX month lease 2. XX/XX/year>2025 paid from my bank {$440.00} 3. XX/XX/year>2025 paid from my bank {$440.00} I am still receiving phone calls from XXXX XXXX XXXX from the XXXX and emails stating my credit will be damaged because my payment is still due! I am at a loss of what to do with. I wrote an email to the CEO of the Finance with no response.

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 2025-05-13 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: MI

Complaint narrative:
I recently reviewed my credit report from XXXX and found several errors that need to be addressed right away. I am formally requesting a full reinvestigation of the accounts and personal information listed below, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ). This letter also acts as a dispute, a request for the method of verification, and a request for full file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

To be clear, this is a detailed and valid dispute. I am not requesting standard or automated responses. I personally wrote and submitted each dispute, along with the necessary identification and supporting documents. As required by the Fair Credit Reporting Act, you must conduct a complete and good-faith reinvestigation of all parts of the disputed item, including related fields, codes, and datanot just the tradeline itself. 

XXXX XXXX XXXX XXXXXXXX Case Number : XXXX The following personal information is incorrect Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * Collection XXXX XXXX XXXX  Account Number : XXXX * * * * * * * Charge Off XXXXXXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Charge Off XXXX XXXX XXXX XXXX Account Number : 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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Account National Credit Systems # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believed you sent proper notification. Please provide certified mail with receipt displaying my signature. If not please delete account # XXXX soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation