vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is a continuation of the previous complaint that Started back XX/XX/XXXX and has been going on since the date and now back further than the original starting date. I have taken a look at the financial breakdown XXXX XXXX has presented to CFPB which led me to go back and pull up all of my charges from the following entities. This started as a dispute for XXXX separate charges that were supposed to have been credited to my account that were never credited. Synchrony Bank has sent several letters from different representatives stating, the money has been credited to my account. '' However, the balance seems to be wrong. I have looked back at the items on my invoice that XXXX XXXX sent to CFPB and there are several things charged to my account that I don't know what they are for. There is a {$300.00} USD XXXX charge that couldn't find on my XXXX account ; {$200.00} USD fake diamond earrings that were supposed to be REAL Natural diamonds which the Synchrony representative said they had removed. '' The balance that XXXX XXXX stated that I owe isn't right with all the payments I had made and the {$1000.00} USD ; {$1500.00} USD ; {$1100.00} USD that I paid the month of XX/XX/XXXX. 
I have already informed XXXX XXXX that she needs to contact me about the other charges that I have not sent to CFPB from the previous years XXXX. I'm trying not to go to court but it looks like we may have to take that route.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FOUND SOME FRAUDULENT INQUIRIES THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT.... HERE ARE THE FRAUDULENT INQUIRIES I HAVE FOUND DUE TO IDENTITY THEFT... 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I ALSO ATTACHED MY IDENTITY THEFT REPORT AND MY ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report shows multiple accounts and inquiries that I never authorized ; none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation. The fraudulent accounts include : XXXX XXXX - unsecured loan - opened in XXXX XXXX XXXX XXXX auto loan - opened in XXXX XXXX XXXX  - auto loan - opened in XXXX XXXX XXXX  - credit card - opened in XXXX XXXX - credit card - opened in XXXX XXXX  XXXX - credit card - opened in XXXX XXXX  XXXX - credit card - opened in XXXX XXXXXXXX XXXX  - credit card - opened in XXXX XXXX - credit card - opened in XXXX XXXX - charge account - opened in XXXX XXXX - collection - opened in XXXX XXXX XXXX IN - collection - opened in XXXX XXXX XXXX XXXX collection - opened in XXXX ( Original Creditor XXXX XXXX XXXX ) - collection - opened in XXXX Additionally, there are several unauthorized inquiries, part of the Identity Theft as well, on my credit report : XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report shows multiple accounts and inquiries that I never authorized ; none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation. The fraudulent accounts include : XXXX XXXX - unsecured loan - opened in XXXX XXXX XXXX XXXX auto loan - opened in XXXX XXXX XXXX  - auto loan - opened in XXXX XXXX XXXX  - credit card - opened in XXXX XXXX - credit card - opened in XXXX XXXX  XXXX - credit card - opened in XXXX XXXX  XXXX - credit card - opened in XXXX XXXXXXXX XXXX  - credit card - opened in XXXX XXXX - credit card - opened in XXXX XXXX - charge account - opened in XXXX XXXX - collection - opened in XXXX XXXX XXXX IN - collection - opened in XXXX XXXX XXXX XXXX collection - opened in XXXX ( Original Creditor XXXX XXXX XXXX ) - collection - opened in XXXX Additionally, there are several unauthorized inquiries, part of the Identity Theft as well, on my credit report : XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXXXXXX 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 2025-05-15 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: TX

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I had requested Transunion to cease making unauthorized hard inquiries into my credit report unless I am contacted at my phone number XXXX as per my original request and formally demanded the immediate deletion of all illegal inquiries completed without my authorization as a result of identity theft The unauthorized inquiries listed below were made without my consent and are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also the following account has been open with out my approval as result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and still affecting my credit score.

Transunion has not resolved my request up to this moment.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I see that you guys closed one of the fraudulent accounts. Come to find out it's was two accounts opened in my name. Just wondering why wasn't both of the accounts closed. My checks are still being garnish for a fraudulent accounts. Can you please reach out to the people that garnishing my checks. I believe they closed one account but not the other

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 2025-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries appearing on my Equifax credit report. While I appreciate that some of the inquiries have been deleted, several still remain, despite multiple attempts to resolve the matter.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a hard inquiry may only be placed on a consumers credit report if there is permissible purposetypically in connection with a credit transaction initiated by the consumer or with written consent. I have not applied for credit with the companies associated with the remaining inquiries, and therefore, these inquiries were made without my authorization or consent.

Furthermore, I have directly contacted each of the companies associated with the remaining inquiries. All of them have confirmed they have no record of an application, authorization, or any of my personal information on file. This supports my claim that these inquiries are invalid and potentially fraudulent.

I originally disputed this with Equifax, and while I acknowledge that some inquiries were removed, I do not understand why othersequally unsupportedremain. Under FCRA 1681i, you are required to conduct a reasonable reinvestigation of disputed items. Simply accepting the furnishers word without documentation does not meet this standard.

These unauthorized inquiries are negatively affecting my credit score and have caused financial and emotional hardship. I am being unfairly penalized for credit activity I did not initiate, and this inaccurate reporting is harming my ability to qualify for loans, housing, and other critical opportunities. 

I am demanding that all remaining unauthorized inquiries be immediately removed from my credit report. Please provide written confirmation of the deletion or a detailed explanation supported by documentation showing that these inquiries were legally permissible. 

If Equifax fails to act in accordance with the FCRA, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
My credit report was exposed to the internet it obtained everything that I owe on who all that I owe and my vicious my car loans out it is was exposed so I need someone to verify that for me and take care of 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 2025-05-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I paid off XXXX student loans as part of a settlement agreement with XXXX. The collection agency XXXX XXXX collected the {$2000.00} in XX/XX/year> and the account was settled and closed. 
However, XXXX kept reporting both accounts as delinquent and my XXXX XXXX took a hit today of XXXX, preventing me from accessing credit lines. 
XXXX only applied the payment towards the original loan, not as a paid in full per the settlement. See attached settlement and proof of payoff

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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I paid off XXXX student loans as part of a settlement agreement with XXXX. The collection agency XXXX XXXX collected the {$2000.00} in XX/XX/year> and the account was settled and closed. 
However, XXXX kept reporting both accounts as delinquent and my XXXX XXXX took a hit today of XXXX, preventing me from accessing credit lines. 
XXXX only applied the payment towards the original loan, not as a paid in full per the settlement. See attached settlement and proof of payoff

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 2025-05-15 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: AZ

Complaint narrative:
I paid off XXXX student loans as part of a settlement agreement with XXXX. The collection agency XXXX XXXX collected the {$2000.00} in XX/XX/year> and the account was settled and closed. 
However, XXXX kept reporting both accounts as delinquent and my credit score took a hit today of XXXX, preventing me from accessing credit lines. 
XXXX only applied the payment towards the original loan, not as a paid in full per the settlement. See attached settlement and proof of payoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AZ

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 2025-05-15 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: GA

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-15 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block the following fraudulent information appearing on my consumer credit report as a result of identity theft and fraud, within 4 business days of receiving this complaint.

This inaccurate and unauthorized information includes multiple accounts that I did not open, use, or authorize, specifically : Account Name Account Number ( Partial ) Balance Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged off reported as bad debt ( all XXXX bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Charged off balance {$0.00} but was written off ( all XXXX bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$720.00} Charged off second account, same issuer ( all XXXX bureaus ) XXXX XXXX XXXX XXXX * * * {$830.00} Charged off early termination, balance written off XXXX XXXX XXXX XXXX {$0.00} Settled for less than full balance, up to XXXX days late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} Collection account disputed, still open on Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$670.00} Collection account disputed, open and seriously delinquent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Same as above ( duplicate account listed under collections ) These fraudulent accounts have resulted in numerous unauthorized hard inquiries and derogatory notations appearing on my credit file. I do not recognize any of these accounts, and I did not apply for, open, or authorize any transactions related to them. I have attached a list of these inquiries, as well as a copy of the consumer credit report from TransUnion showing the accounts in question. 

All of these items are the result of identity theft and fraud. I have also included a copy of my FTC Identity Theft Report # ( Private Case Number ) as official documentation verifying that I am a victim of identity theft and that the accounts, collections, and inquiries listed above are not mine. 

In accordance with the FCRA, I respectfully demand that TransUnion immediately block these items from my file and notify all furnishers of their removal as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block the following fraudulent information appearing on my consumer credit report as a result of identity theft and fraud, within 4 business days of receiving this complaint.

This inaccurate and unauthorized information includes multiple accounts that I did not open, use, or authorize, specifically : Account Name Account Number ( Partial ) Balance Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged off reported as bad debt ( all XXXX bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Charged off balance {$0.00} but was written off ( all XXXX bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$720.00} Charged off second account, same issuer ( all XXXX bureaus ) XXXX XXXX XXXX XXXX * * * {$830.00} Charged off early termination, balance written off XXXX XXXX XXXX XXXX {$0.00} Settled for less than full balance, up to XXXX days late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} Collection account disputed, still open on Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$670.00} Collection account disputed, open and seriously delinquent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Same as above ( duplicate account listed under collections ) These fraudulent accounts have resulted in numerous unauthorized hard inquiries and derogatory notations appearing on my credit file. I do not recognize any of these accounts, and I did not apply for, open, or authorize any transactions related to them. I have attached a list of these inquiries, as well as a copy of the consumer credit report from TransUnion showing the accounts in question. 

All of these items are the result of identity theft and fraud. I have also included a copy of my FTC Identity Theft Report # ( Private Case Number ) as official documentation verifying that I am a victim of identity theft and that the accounts, collections, and inquiries listed above are not mine. 

In accordance with the FCRA, I respectfully demand that TransUnion immediately block these items from my file and notify all furnishers of their removal as required by 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 2025-05-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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