vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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 four 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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/year>2021, Balance : {$7200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, 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 2025-08-26 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: EQUIFAX, INC.
State: SC

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 TILA US Code 1666B 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a complaint against the XXXX major credit bureaus, XXXX XXXX, and TransUnion, for reporting inaccurate personal information on my credit reports. The presence of this incorrect data is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer information. 

The following information is inaccurate and must be removed from my credit reports immediately : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX These addresses do not belong to me and are negatively impacting the accuracy of my credit file. I have never resided at these locations. 

I have attempted to resolve this issue by [ mention any previous actions you've taken, e.g., " filing disputes with the credit bureaus directly, '' " contacting the companies reporting the information '' ]. Despite my efforts, the incorrect information remains on my reports. 

I respectfully request that the CFPB investigate this matter and compel all three credit bureaus to : XXXX a thorough investigation into the origins of these inaccurate addresses. 

Immediately and permanently remove the incorrect addresses from my credit reports. 

Provide me with a corrected copy of my credit report from each bureau once the changes have been made. 

I believe that prompt action is necessary to ensure the integrity and accuracy of my credit file. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a complaint against the XXXX major credit bureaus, XXXX XXXX, and TransUnion, for reporting inaccurate personal information on my credit reports. The presence of this incorrect data is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer information. 

The following information is inaccurate and must be removed from my credit reports immediately : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX These addresses do not belong to me and are negatively impacting the accuracy of my credit file. I have never resided at these locations. 

I have attempted to resolve this issue by [ mention any previous actions you've taken, e.g., " filing disputes with the credit bureaus directly, '' " contacting the companies reporting the information '' ]. Despite my efforts, the incorrect information remains on my reports. 

I respectfully request that the CFPB investigate this matter and compel all three credit bureaus to : XXXX a thorough investigation into the origins of these inaccurate addresses. 

Immediately and permanently remove the incorrect addresses from my credit reports. 

Provide me with a corrected copy of my credit report from each bureau once the changes have been made. 

I believe that prompt action is necessary to ensure the integrity and accuracy of my credit file. Thank you for your time and assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Company : Synchrony Bank Product : Credit Card ( PayPal Credit XXXX Synchrony account ending in XXXX ) Issue : Rejected payments ; Improper late fees and interest ; Poor customer service What happened : I have consistently attempted to make on-time payments to my Synchrony account ending in XXXX. Despite having sufficient funds and valid bank accounts, every bank account I have added has been rejected by Synchronys system.

I confirmed with PayPal that my accounts are valid and not blocked. This proves the problem lies with Synchrony, not PayPal or my banks.

Because of Synchronys repeated failures, my account has been incorrectly marked delinquent and charged late fees and interest, even though I acted in good faith and attempted multiple payments. I have documentation and screenshots of these rejected payment attempts.

I have already made a payment to prove my accounts are valid, yet Synchrony continues to blame PayPal and refuses to fix its own system.

On top of this, I have been hung up on by several Synchrony agents, strung along with phone trees and XXXX agents, and have spent 56 hours of my time trying to resolve this. The most recent agent disconnected the call without resolution. 

Requested resolution : Immediate reversal of all late fees and interest caused by Synchronys payment rejections.

A XXXX XXXX of {$150.00} to compensate for the 56 hours of wasted time and stress caused by Synchronys failures.

Written confirmation that my account reflects my repeated good-faith payment attempts. 

Confirmation that no negative credit reporting will occur, and correction of any negative marks already reported. 

Correction of Synchronys payment system to ensure future payments process normally.

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 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
I cancelled my XXXX internet earlier this year. I was told multiple times that while there was a cancelation fee, I would not be charged. I have evidence to show that my final ballance after disputing it with XXXX customer service was - {$78.00} indicating the company owed me money, not the other way arround. Now I am being told I still have to pay the cancellation fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HarrisLoftus, PLLC
State: TX

Complaint narrative:
HARRIS XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-26 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
XX/XX/XXXX I purchased 2XL Dog Cooling mats for {$41.00} and used Affirm to break it into XXXX payments. I contacted XXXX XXXX on XX/XX/XXXX in regards to tracking info having not received anything they provided me with tracking # XXXX and they said it was in transit which it appeared to be. They emailed me back because they found out I filed a dispute with Affirm and then provided me with another tracking number # XXXX which shows not found. The first tracking number shows it in transit to destination as of XX/XX/year> nothing since it hasnt moved. XXXX XXXX once again told me they checked its in transit but no information on which tracking is correct and after all this they now are telling me I didnt purchase it from them. Affirm closed my case in favor of XXXX XXXX because they said it should be coming soon! It has been almost a month, I have never received merchandise and am not paying for something I didnt receive. I have copies of all correspondence from both companies, tracking info, etc. and will send anything you need to help me wipe both of these companies from my life! Its only {$41.00} its not a matter of money its the principal. You cant expect people to pay for nothing. Any help would be greatly appreciated. I have more emails and correspondence but didnt want to overload I just sent what I thought was pertinent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I dont have much information about the debt. I have attached files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XX/XX/year> payment of {$97.00} to scammer. Scammer received {$90.00}. 

Was notified of scammer from XXXX XXXX XXXX  XXXX XXXX XXXX around XX/XX/year>. 

Scammer kept making excuses and still has not paid anyone back. 

Filed a paypal dispute on XX/XX/year> and messaged seller on XXXX and paypal. Scammer never responded. Paypal responded stating know about scammer and working on getting refund back. 

On XX/XX/year>, paypal agent responded that they are investigating. 

Scammer deactivated her account on XX/XX/year>. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MD

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 4 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 2025-08-26 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: PR

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by TransUnion Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX, while my credit report shows an outdated address of : - 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  request that my current address be updated accordingly. 
3. Incorrect Contact Information : The phone number listed on my credit report, ( XXXX ) XXXX, is not mine. I request that it be removed from my credit report and that my number ( XXXX ) XXXX be kept as the primary number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 

Request for Confirmation : I request that TransUnion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
capital one company is investigating, someone apply for 2 cards in my name, identity theft, waitiong 60 days for the answer and removed a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief