vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
I am submitting this complaint because certain accounts continue reported on my credit file despite recent reinvestigation results that removed negative remarks the accounts in questions are : 1.- XXXX XXXX XXXX XXXXXXXX  {$15000.00} XXXX XXXX XXXX XXXX - BALANCE {$5300.00} XXXX XXXX XXXX XXXX  - BALANCE {$1400.00} XXXX XXXX XXXX XXXX BALANCE {$1900.00} BETWEEN XX/XX/XXXX AND XX/XX/year> MY CREDIT REPORTS WERE UPDATED TO REMOVE TERMS SUCH AS " CHARGED OFF '' " MEDICAL '' AND CLOSED BY CREDIT GRANTOR. THE SUGGESTS THE FURNISHERS COULD NOT VERIFY THE REPORTED INFORMATION. HOWEVER, THE ACCOUNTS ARE STILL BEING REPORTED WITH BALANCES AND ACTIVE STATUSES.

I AM REQUESTING THAT THESE ACCOUNTS BE DELETED UNLESS THE FURNISHER CAN PROVIDE FULL VERIFICATION INCLUDING ORIGINAL SIGNED CONTRACTS AND ACCURATE ACCOUNT DETAILS. I HAVE ATTED SUPPORTING EVIDENCE INCLUDING A LETTER AND SCREENSHOTS.

PLEASE ASSIST IN REVOLVING THIS MATTER AND CONFIRM WHEN IT HAS BEEN CORRECTED

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from Synchrony Bank regarding a lowering of my line of credit for my XXXX XXXX charge card. This is what I found : 1. The letter states it used variables that do not apply to me. There are not solid reasons for lowering the line of credit based on my research in finance.

2. The very action of lowering the line of credit caused a negative remark on my credit.

3. I called Synchrony Bank, escalated to the next level support. I was informed they would get back to this issue within a couple of days. I spoke to XXXX on XX/XX/year> and XXXX I spoke to XXXX and XXXX at XXXX at XXXX. Synchrony Bank has not responded yet.

4. I proceeded to review my credit using XXXX XXXX and XXXX XXXX to find the platforms are not even in synch! They do not have the same information between both platforms and they do not mirror the credit bureau.

5. I checked the credit reporting Bureaus to find, I am not even able to view the data online for the credit bureaus. XXXX  is the only one that has my data even if not complete the others appear as if I do not exist! This is an issue also!

See attached please!

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 monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted multiple requests to Experian to block adverse credit information under the protections of the Fair Credit Reporting Act ( FCRA ), specifically Section 605C ( 15 U.S.C. 1681c3 ), as a documented survivor of XXXX XXXX. My initial submission was made on XX/XX/year>, and subsequent submissions followed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. These included all required documents : Self-attestation per FCRA 605C guidelines Determination letters from two professionals at XXXX XXXX XXXX XXXX XXXX XXXX ( an authorized anti-XXXX NGO ) A list of affected accounts Proof of identity and address Transcripts of all communications and prior denial letters Despite compliance, Experian issued inconsistent and unlawful denials, citing : That a " wet signature '' was required, which is not supported by federal law ( see 12 C.F.R. 1022.142 ).

That I was ineligible to attest for myself, despite my licensed clinical status in Texas and New York and my survivor status.

That I had a conflict of interest for having authored determination letters for other clientsagain, not prohibited by law. 
On XX/XX/XXXX and XX/XX/year>, I received new denials from Experian falsely claiming that my proof of identity was not clear and legible. However, during phone calls with Experian representatives ( XX/XX/XXXX and XX/XX/XXXX ), I was informed that my most recent documents ( submitted XX/XX/XXXX and XXXX ) had not yet been reviewed and that earlier denials referred to previous submissions. This creates procedural confusion and emotional distress. 

Experian has violated : The 4-business-day block requirement after complete submission ( 12 C.F.R. 1022.142 ( f ) ( 2 ) ) The 5-day notice of deficiency rule ( 12 C.F.R. 1022.142 ( f ) ( 3 ) ) The 25-day final determination deadline ( 12 C.F.R. 1022.142 ( f ) ( 4 ) ) Experians conduct represents a pattern of delay, legal misinterpretation, and discriminatory scrutiny that retraumatizes XXXX  survivors seeking federally protected relief. I have now re-submitted the requested documents again, but seek enforcement and oversight to prevent further harm.

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 2025-06-17 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: PA

Complaint narrative:
When I reviewed my credit report earlier today, I saw some inaccurate accounts listed, and I don't understand why they appeared. I check my report regularly, but this time there were sudden errors. I tried reloading the browser to rule out a display issue, but nothing changed. Given this situation, I kindly ask that you examine the documents I submitted to ensure I dont have to deal with this problem again.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I will try to be brief!

I opened a dispute with the merchant XXXX XXXX XXXX about the XXXX XXXX  that I purchased at the end of XXXX that was removed from my account on XX/XX/XXXX. 

I purchased a package of XXXX  coins ( which has no currency value ) and XXXX  coins ( that have a currency value. ) The merchants claim that the services were received in good condition is inaccurate. I have not received the services as the merchant terminated the use of its XXXX  coins feature abruptly. The merchant removed these coins from my account! The XXXX  coin was able to be redeemed for cash prize money. So removal of the XXXX  coin feature constitutes removal of the key feature of the purchase that I was expecting!

The merchant also removed the ability for me to have access to my account which removed my ability to access the XXXX  coins!

So I lost both the XXXX  coin feature which I paid for as well as the XXXX  coins that I paid for as well. 

The bank tried to say that I really only bought XXXX  coins and never XXXX  coins. 

This idea that you can market the core package in the photo attached and tell me the core feature that I as a customer am paying for is only to buy XXXX  coins is patently absurd! Not only is there no point in XXXX  coins as they have no conversion value the XXXX  coins has conversion value and so I would argue that the core package being sold when I make a purchase is for the XXXX  coin package! It should also be noted that I have no access to my XXXX  coins! 

Attached is some documents to defend my case. 

I attached my original dispute package and the rebuttal of the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-06-17 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: LEXISNEXIS
State: VA

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
CFPB Complaint TransUnion Reporting Without Consent Complaint Type : Credit reporting company is reporting inaccurate information Complaint Description : TransUnion continues to verify and report an account from XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX ) on my credit report, even though I have never given them or the creditor permission to do so. 

I have not signed or authorized any agreement with XXXX XXXX XXXX or with TransUnion to furnish or report any account under my name. By continuing to include this account on my credit file, TransUnion is violating my federal rights to privacy, consent, and accurate reporting.

Legal Grounds : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Under 1681s-2 ( a ), credit reporting agencies must ensure all information reported is accurate and verifiable.

- TransUnion must have legal grounds or documented permission to include this account in my credit file. If they can not provide signed documentation authorizing them to report this data, they are in violation of the FCRA.

2. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827 - This act restricts the sharing of a consumer 's financial data with third parties without written, informed consent.

- TransUnion is reporting and verifying information for which I never provided approval, thereby breaching my privacy rights.

3. Consumer Privacy and Consent Rights - No written or implied consent was granted by me for this account to be reported or verified.

- There is no contractual or legal agreement allowing TransUnion to handle or maintain this account on my report.

Resolution Requested : 1. Immediate removal of the XXXX XXXX XXXX account ( Account Number : XXXX XXXX XXXX XXXX XXXX ) from my credit report. 

2. A copy of any signed consent or authorization they claim to have permitting them to report this account.

3. An assurance that no future unauthorized reporting will be made on my credit file without documented permission.

This inaccurate and unauthorized reporting has harmed my credit and financial reputation. I request the CFPB to intervene and require TransUnion to remove this account and comply with all applicable federal laws.

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 2025-06-17 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:
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 non-monetary relief
Consumer complaint received 2025-06-17 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: VA

Complaint narrative:
I am writing to formally submit a complaint and request an investigation regarding incorrect reporting of a paid charge-off account on my credit reports.

Account Details : - Original Creditor : XXXX XXXX  XXXX Account Number : XXXX Issues : 1. The account was fully paid and never late, but is still reported as a charge-off on Equifax and TransUnion.

2. On XXXX, the account is correctly reported as paid.

3. There are errors in the reported payment date.

4. There are inaccuracies in the account opening date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: SC

Complaint narrative:
CFPB Complaint : Fraud-Related Credit Card and Bank Account Activity What happened : I am submitting this complaint due to extensive financial losses I suffered as the result of an organized cybercrime fraud scheme conducted through a platform known as XXXX  ( XXXX XXXX XXXX ). Over the course of several months, I was manipulated and coerced into transferring approximately {$69000.00} across multiple credit cards and bank accounts, including both personal and business funds, under false pretenses that I would be able to withdraw funds from the platform after completing specific deposit tasks. Despite complying with all demands which included VIP level upgrades, green channel activations, and fabricated fines for alleged violations my access to the promised funds was repeatedly denied and new barriers were introduced.

I have extensive documentation showing the coercive and deceptive tactics used by the platform, including XXXX transcripts and communications with individuals claiming to be customer service and financial advisors. I am now left with crippling debt across several institutions, all incurred under fraud. 

I have filed an official cybercrime report with the FBIs Internet Crime Complaint Center ( IC3 ) : Submission ID : XXXX Date Filed : XX/XX/XXXX, XXXXXXXX XXXX EST Accounts and Transactions Involved : XXXX XXXX  Personal Account # XXXX : XXXX : {$100.00} to XXXX XXXX : {$500.00} & {$150.00} to XXXX XXXXXX/XX/XXXX : {$5000.00} to XXXX XX/XX/XXXX : {$1000.00} to XXXX XXXXXX/XX/XXXX : {$2000.00} to XXXX XXXXXX/XX/XXXX : {$2000.00} to XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX : XX/XX/XXXX : {$2000.00} to XXXX XX/XX/XXXX : {$500.00} & {$3000.00} to XXXX XX/XX/XXXX : {$5000.00} to XXXX XX/XX/XXXX : {$1500.00} to XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : Cash advances of {$4000.00} and {$5000.00} XXXX : {$20000.00} personal loan XXXX XXXX Checking Account : XX/XX/XXXX : {$2100.00} wire to XXXX XXXXXX/XX/XXXX : {$2000.00} to XXXX XXXXXX/XX/XXXX : {$2000.00} to XXXX XXXX  : {$1000.00} to XXXX, {$1000.00} to XXXX XXXXXX/XX/XXXX : {$2000.00} wire to XXXX  XX/XX/XXXX : {$3200.00} to XXXX  XX/XX/XXXX : {$200.00} to XXXX  XX/XX/XXXX : {$100.00} to XXXX  XX/XX/XXXX : {$3000.00} to XXXX XXXX XXXX XXXX Credit Card : XX/XX/XXXX : {$3000.00} charge XXXX : XX/XX/XXXX : {$2500.00} balance transfer XXXX : {$5800.00} balance transfer Discover Credit Card : XX/XX/XXXX : {$9500.00} balance transfer from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, 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 GA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$6300.00}

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 2025-06-17 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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