vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
A fair resolution is the complete removal and blocking of the fraudulent XXXX account ending in XXXX under FCRA 1681c-2 , based on my police report ( # XXXX ). 
All negative information including late payments, charge-offs, or any collection coding must be permanently deleted and prevented from future reinsertion. 
XXXX must also cease all reporting, verification, and collection activity related to this identity-theft account.

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 2025-11-15 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: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I requested evidence supporting the accuracy of reported information, including payment statuses and account balances. I requested immediate corrections of any discrepancies in the reporting database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for failure to remove fraudulent accounts, unauthorized inquiries, and incorrect personal information despite multiple written disputes. I submitted identity theft documentation, including an FTC Identity Theft Report, which identifies several fraudulent accounts I did NOT open, authorize, or benefit from. TransUnion continues to report : Fraudulent accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect names, addresses, and personal identifiers that do not belong to me. 
Inconsistent data reporting, including accounts that appear on TransUnion but not on the other bureaus, which violates FCRA accuracy and completeness requirements. 
All of this is detailed in my prior dispute letter. Despite receiving my identity theft documentation and disputes, TransUnion failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i, and continues to report unverifiable, inaccurate, and incomplete information in violation of FCRA 602, 604, 605B, and 611. These continued errors have caused emotional distress, denial of credit, and reputational harm. The bureaus refusal to correct identity theft data after receiving proper documents is unlawful and damaging.

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 2025-11-15 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: VA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: DC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-11-15 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because TransUnion is reporting multiple inaccurate, inconsistent, and unverifiable items on my credit file in violation of the Fair Credit Reporting Act, including sections 602, 607 ( b ), 609, 611, and 623. 
TransUnion is reporting a XXXX  XXXX bankruptcy with inconsistent data regarding the court information, reference number, and identifying details. This suggests that TransUnion has not obtained the official PACER bankruptcy documentation. To verify a bankruptcy, TransUnion must review the full court petition, docket information, correct jurisdiction, and confirmed identifying information. The reporting appears incomplete and inconsistent, and I am requesting a full reinvestigation and removal if TransUnion can not produce actual court documents. 
TransUnion is also reporting the XXXX XXXX repossession and charge-off with discrepancies in the high balance, balance owed, date opened, date of last activity, and payment history. These inconsistencies indicate that the account has not been properly verified. The furnisher must supply the original contract, complete payment history, repossession documentation, sale records, the notice of intent to sell, deficiency balance calculations, and the correct date of first delinquency. Without this documentation, TransUnion can not legally consider the account verified. 
TransUnion is also reporting incorrect personal information, including names and addresses that are not correct. These items are not tied to any verified credit relationship and should be removed immediately. FCRA requires TransUnion to maintain maximum possible accuracy and ensure that only correct identifying information is retained. 
I am requesting that TransUnion : Conduct a full reinvestigation of the bankruptcy and obtain the official PACER court documents. 
Conduct a full reinvestigation of the XXXX XXXX account and require complete verification from the furnisher. 
Remove any inaccurate or unrelated names and addresses from my personal profile. 
Provide detailed results explaining exactly how each item was verified and what documents were used. 
Delete any account or public record that can not be fully verified through original-source records.

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 2025-11-15 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-15 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I dispute the agencies for not providing the original account and payment history. The company also couldnt provide proof that they were legal to collect debt in the state of Texas. I looked company up on the state of Texas attorneys general data base site. The agencies doesnt have a active bond on file in the Texas courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MI

Complaint narrative:
I am disputing a collection account being reported by Plaza Services LLC and XXXX XXXX  ( the debt collector acting on their behalf ). 

I submitted a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) to both parties. I asked for full documentation : the original signed agreement, itemized accounting, proof of ownership of the alleged debt, and proof that Plaza Services is licensed to collect debt in the state of Michigan. 

Neither Plaza nor XXXX provided any of this information within the required timeframe. I verified through the official Michigan Department of Insurance and Financial Services ( DIFS ) that Plaza Services LLC is not licensed to collect debt in Michigan, making this collection attempt illegal and unenforceable under state law. 

Additionally, this same debt is being double reported with XXXX, which violates the Fair Credit Reporting Act ( FCRA ) and causes duplicative, inaccurate damage to my credit profile. 

I have already disputed this with the credit bureaus and requested immediate removal under both the FDCPA and FCRA. No resolution has been provided. Plaza and XXXX have continued to report this unverifiable and potentially unlawful account, despite lacking required documentation and licensure. This is willful noncompliance. 

I am requesting the immediate deletion of this account from all credit bureaus and a full investigation into the collection and reporting practices of both Plaza Services LLC and XXXXXXXX XXXX. If necessary, I am prepared to escalate this to the Michigan Attorney Generals office and consider further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am not linked to these accounts, which must be removed within 15 days per USC 1681g.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My XXXX  account was frozen on Thursday XX/XX/year> due to unusual activity, and XXXX  is currently holding my money. ( {$530.00} ) .have been unable to access or withdraw my funds. I contacted XXXX  support and asked for information about why my account is frozen and how to resolve it. I also submitted the photo identification they requested through their document upload link. Despite this, my account is still frozen and XXXX  has not released my funds or given me a clear explanation. 
I have emailed multiple times but only received generic responses with no resolution. My money has now been held for an unreasonable amount of time. I am requesting help to get XXXX  to review my account, verify my identity, and release my funds. I simply want access to my own money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I dispute the agencies for not providing the original account and payment history. The company also couldnt provide proof that they were legal to collect debt in the state of Texas. I looked company up on the state of Texas attorneys general data base site. The agencies doesnt have a active bond on file in the Texas XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: WY

Complaint narrative:
I SENT LETTERS TO ALL THREE BUREAUS AND THEY LEGALLY DID NOT RESPOND. 
* * * * * * * * * * * * * * * * * * * * * * * * AFTER NOTICING THAT ALL LETTERS WERE IN FACT DELIVERED FROM MY TRACKING #, I WENT AHEAD AND CALLED EACH BUREAU AND SPOKE TO A REPRESENTATIVE TO CONFIRM THAT MY LETTERS WERE RECEIVED, PROCESSED, AND IN FACT COMING FROM ME. 

EACH REPRESENTATIVE CONFIRMED ARRIVAL, GAVE ME A FILE / PROCESS # 'S ( IN WHICH I CAN PROVIDE SUCH FILE AND OR PROCESS NUMBERS IF NEED BE ), AND SPECIFIED THAT THESE ACCOUNTS WERE UP FOR DELETION BUT HAVE NOT REMOVED THEM FROM MY REPORT. 

CAN YOU PLEASE BLOCK AND REMOVE THIS FROM MY REPORT IMMEDIATELY. 
I AM PART OF THE XXXX DUTY AND I HAVE KINDLY BEEN TRYING TO WORK WITH ALL THREE BUREAUS NOW FOR QUITE SOME TIME. I AM LIMITED WITH TIME AS WHOLE, AND I'D GREATLY APPRECIATE IT IF THIS CAN BE BLOCKED AND REMOVED SWIFTLY THANK YOU

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 2025-11-15 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an EOSCAR SYSTEM is being used to verify my disputes and that is not a reliable source for verification! 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for. 

Accounts : XXXX XXXX XXXX XXXX Systems : XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.

Company response to consumer: Closed with explanation