vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-16 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-16 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: NC

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX  and I have personally written this message to bring to your attention unauthorized negative accounts on my credit report. It will be noted below. These have dropped my score and as a result I am unable to grow and improve my life because of denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it. Please remove them all as soon as possible. My credit score has dropped significantly due to this. 
I have already created an FTC as well. FTC as well. FTC Report XXXX : XXXX As I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED. Accounts below

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 2025-09-16 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: CA

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MD

Complaint narrative:
Several accounts currently appearing on my credit file are the result of fraudulent activity and identity theft, for which I provided no authorization whatsoever, written or otherwise. These unauthorized entries have created severe disruptions to my financial stability and personal well-being, causing both monetary losses and emotional strain as I work to restore my credit integrity. The inaccurate reporting of these accounts has blocked my access to legitimate credit opportunities and has prevented me from pursuing essential life goals, including homeownership and providing adequate financial security for my dependents. I am now demanding that your agency immediately investigate and purge these disputed items from my credit profile.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally challenging the fraudulent accounts that have appeared on my credit report. I did not authorize these accounts, and they are entirely unrelated to my financial activity. Their presence is false, damaging, and misrepresents my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the fraudulent accounts reported under my name. I have no knowledge of these accounts, did not authorize them, and they do not belong to me. Their reporting is inaccurate, misleading, and unfairly harmful to my credit profile.

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 2025-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am disputing multiple medical debts being collected by Gulf Coast Collection Bureau on behalf of XXXX XXXX XXXX XXXX 
I was treated in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time of service, the provider confirmed that my insurance ( XXXX XXXX XXXX ) would cover the charges in full. No bills or denials were provided at the time of service. 
Many months later ( XXXX  months after service ), I began receiving collection notices with different balances : {$350.00}, {$370.00}, {$340.00}, {$630.00}, {$270.00}. 
I sent written requests for itemized bills, insurance claim records, and full debt validation on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The provider and Gulf Coast failed to provide adequate validation as required by FDCPA 1692g.

Instead, they continued collection activity, showing inconsistent balances and multiple open accounts in the Gulf Coast online portal, even after reporting to CFPB that the accounts were closed and returned to the original creditor. 

Violations include : Failure to provide proper validation of debts. 
Misrepresentation of insurance coverage and amounts owed. 
Ongoing collection activity despite disputes. 

Requested resolution : XXXX. Full removal of all disputed debts from Gulf Coast Collection Bureaus system. 
XXXX. Written confirmation that no negative credit reporting has been or will be made. 
XXXX. Confirmation from the provider of correct billing and insurance records. 
XXXX. Cease all collection activity until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
During this dispute nothing was actually verified or processed just seem as if its an automated system and no real person checking into the 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I checked my credit score XX/XX/2025 and noticed a XXXX point decrease in the past couple days. Come to find out, Synchrony bank closed my Sam 's Club credit card for inactivity, but I never received any notice. This was my longest standing open credit card account ( at almost 10 years ) that I tried to regularly keep open. I did not receive any email or notice in the mail that my account was being considered for closure due to inactivity. XXXX and XXXX will send letters a least a month prior to closing out to let you know that if you don't use it in time, it would get closed out. I received no such notice from Synchrony bank or Sam 's Club in regards to my Sam 's Club credit card. I was not given sufficient notice to use my card and keep it active before they closed my account. 
I called the help number on the back of the card and confirmed with XXXX at Synchrony bank on XX/XX/2025 that they can not re-open my old account and that I would have to re-apply and get approved for a whole new card. I was told that my account was closed as of XX/XX/2025. While I didn't use it often, I kept this card open so that my average credit history would be longer, and now my credit score has taken a hit due to the account being closed without my knowledge.

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 2025-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
So back in XXXX I had purchased a camera from the online retailer XXXX XXXX XXXX XXXX through their XXXX XXXX XXXX XXXX financing XXXX XXXX credit card with a 6 month 0 % apr promotional. So I make my standard payments and months go by and all of a sudden the promotion stops and they close my credit card account for no reason given but they continue to be bill me. At the time when they closed my account I had no online access to my account to pay or make any changes to my closed account. Back in XXXX I talked with a Synchrony Bank agent to get access to my online account but they were unable at the time. I told the agent just to debit my bank {$100.00} a month and the agent said they did. So about 2 years pass by I finally start receiving billing emails from Synchrony Banking and their still charging me the minimum payment at 29.99 % interest. So I contacted them XX/XX/XXXX and finally got access to my account. But besides having access to my account they closed the interest I have been charged is about almost XXXX dollars on a XXXX dollar camera.

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 2025-09-16 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:
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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
They have no documents bearing my signature, nor can they provide any proof that these accounts belong to me. Despite my repeated letters and numerous phone calls, they have failed to verify the information, as it is false. Their continued refusal to correct or remove this inaccurate information is unjustified and in violation of my rights.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am disputing the validity of the above-referenced debt. I am an identity theft victim, and this account does not belong to me.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681c-2 ), if an account results from identity theft, it must be blocked from my credit file once I submit my dispute and supporting documentation ( including my FTC Identity Theft Report ). If you are reporting this debt, you are obligated to remove it from all credit reporting agencies.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 809 ), you must provide proper validation of this debt, including documentation from the original creditor proving I am responsible for it. Since I am the victim of identity theft, you can not provide such proof, and you must immediately cease collection activity. 

I also note that the FDCPA requires in the initial communication that you disclose this is an attempt to collect a debt and that any information obtained will be used for that purpose ( the XXXX warning ). Failure to provide this disclosure is a violation of federal law and further invalidates your collection efforts. 

If you continue to pursue this fraudulent account, I will escalate by filing formal complaints with the CFPB, FTC, and State Attorney Generals office, and will explore all legal remedies available. 

Please confirm in writing that this account has been deleted from your records and that no further collection activity will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
I called the company and submitted a payment and explained my account was hacked was told to change auto pay and I dont know why it didnt do through. I did not know until I received an alert. I called indigo and they appologized and removed all lates. Since than I still WAS REPORTED! Please remove late payment asap. I spoke to XXXX on XX/XX/year> and she told me I was not late. Than I spoke to XXXX and she said she was going to reach the credit report. She also stated it was working and just took annual fee. They Stated they could not catch it in time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 30 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 2025-09-16 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: CA

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation