vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX Account Type : Auto Loan Account Number : XXXX I am also disputing a charged-off account reporting a balance of {$10000.00} past due as of XX/XX/year>, with a write-off amount of {$13000.00}, from an original balance of {$20000.00}. The current reporting raises multiple concerns under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 and 1681i : 1. Inaccurate Balance Information : The amount reported as past due appears inconsistent given the charged-off status. Once an account is charged off, the balance should be updated to reflect either {$0.00} due or be noted as charged off, not simultaneously past due and written off. This dual reporting is misleading and may inflate the amount owed. 
2. Duplicate Debt Indicators : Reporting both a write-off of {$13000.00} and a past due balance of {$10000.00} on a {$20000.00} account suggests either inaccurate math or double accounting. This may harm my credit profile by falsely inflating liability. 
3. Violation of Reasonable Investigation Standards : As outlined in 15 U.S.C. 1681i ( a ), I am requesting that this entry be thoroughly investigated for accuracy, including documentation of : How the original balance was reduced How the past due balance was determined post-charge off The date and calculation method of the write-off There was also a documented waiver or adjustment of {$3300.00} that has not been reflected in the current balance. This omission results in an inflated and inaccurate amount being reported to the credit bureaus. 

This misrepresentation directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers of information to provide complete and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
Please remove these unauthorized accounts from my credit report, as I did not open them and was not notified of their inclusion. In accordance with USC 1681g, I request their removal within 15 days. Supporting documents are provided for your review.

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 2025-07-31 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-07-31 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: Scratch Financial, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX was contacted by phone and email and informed that this account was fraudulent. There has been no updated communication received since making contact. 
Scratchpay is listed as the original creditor and the balance as of XX/XX/year> is {$560.00}. 

I did not open or use this account and am disputing it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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 2025-07-31 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) This complaint is submitted to formally request, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block from my consumer credit report all information resulting from identity theft and fraud within four business days of receipt of this notice. The disputed information includes the following accounts, which I did not open or authorize : ( 1 ) a personal credit card account at XXXX, opened in XX/XX/XXXX under account number ( private ) ; ( 2 ) a credit card account at XXXX XXXX XXXX XXXX, opened in XX/XX/XXXX under account number ( private ) ; ( 3 ) a credit card account with XXXX XXXX XXXX, opened in XX/XX/XXXX under account number ( private ) ; ( 4 ) a credit card account with XXXXXXXX XXXX  opened in XX/XX/XXXX, which appears associated with a personal loan at XXXX ; and ( XXXX ) a credit card account with XXXX, opened in XX/XX/XXXX under account number ( private ). These accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections being reported on my consumer FICO credit report. I have attached a detailed list of the disputed hard inquiries, as well as a copy of my consumer FICO credit report maintained by TransUnion, which highlights the fraudulent items in question. I do not recognize any of the accounts, collections, or hard inquiries referenced above, as they were neither opened nor authorized by me. All of these entries are the direct result of identity theft and fraud. As supporting documentation, I have included a copy of my FTC Identity Theft Criminal Complaint # ( XXXX ), confirming that the listed accounts, collections, and hard inquiries are attributable to identity theft and fraud. I respectfully request immediate action to block this information as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) This complaint is submitted to formally request, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block from my consumer credit report all information resulting from identity theft and fraud within four business days of receipt of this notice. The disputed information includes the following accounts, which I did not open or authorize : ( 1 ) a personal credit card account at XXXX, opened in XX/XX/XXXX under account number ( private ) ; ( 2 ) a credit card account at XXXX XXXX XXXX XXXX, opened in XX/XX/XXXX under account number ( private ) ; ( 3 ) a credit card account with XXXX XXXX XXXX, opened in XX/XX/XXXX under account number ( private ) ; ( 4 ) a credit card account with XXXXXXXX XXXX  opened in XX/XX/XXXX, which appears associated with a personal loan at XXXX ; and ( XXXX ) a credit card account with XXXX, opened in XX/XX/XXXX under account number ( private ). These accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections being reported on my consumer FICO credit report. I have attached a detailed list of the disputed hard inquiries, as well as a copy of my consumer FICO credit report maintained by TransUnion, which highlights the fraudulent items in question. I do not recognize any of the accounts, collections, or hard inquiries referenced above, as they were neither opened nor authorized by me. All of these entries are the direct result of identity theft and fraud. As supporting documentation, I have included a copy of my FTC Identity Theft Criminal Complaint # ( XXXX ), confirming that the listed accounts, collections, and hard inquiries are attributable to identity theft and fraud. I respectfully request immediate action to block this information 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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: MI

Complaint narrative:
I keep getting contacted by Northstar Location Services LLC for a debt I do not owe. First by phone call 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to pay {$1300.00}. Now Ive received a letter on XX/XX/XXXX that offers a settlement of {$660.00} thats due on XX/XX/XXXX. In the letter it also states their client/creditor was XXXX ( XXXX XXXX ). However, I have never signed up for a credit card or even own one. I also never signed up for any kind of loan once, so it makes no sense as to why Im getting these calls or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC 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 XXXXXX/XX/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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXXXXXX XXXX I was charged {$8000.00} by XXXX XXXX XXXX, under XXXX XXXX XXXX, for a treatment plan thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The services were not completed. I attempted resolution directly with the office manager, XXXX, through phone calls, emails, and a certified receipt letter, but was denied access to my scheduled XXXX XXXX XXXX XXXXXXXX falsely claimed I owed additional funds, despite the full amount being prepaid. She then refused to allow me to continue treatment. She has also to date blocked me from receiving my XXXX XXXX I requested. She sent XXXX XXXX  I then followed up and asked for my complete records and I was ignored. This is a violation of HIPAA law. 

A licensed dentist later confirmed that the XXXX XXXX XXXX XXXX  and the work was incomplete. This constitutes a breach of contract and potential violation of Georgia dental regulations, which require dentists to uphold ethical standards and complete agreed-upon treatment plans under Title 43, Chapter 11 of the Georgia Code and Board Rule 150-9 regarding delegated duties and XXXX XXXX 

Credit Dispute and Consumer Protection Violations : I submitted multiple disputes to Synchrony Bank/CareCredit , each with supporting documentation. These disputes were mishandled : - I never received denial letters or explanations. 
- I requested a review of the call in which Synchronys representative stated the dental office claimed the work was completed, which it was not. 
- Synchrony failed to investigate properly, violating the Fair Credit Billing Act ( FCBA ) and Regulation Z, which require creditors to respond to billing disputes within 30 days and resolve them within two billing cycles.

Synchronys continued demands for payment during an active dispute may violate the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, which prohibit collection activity during unresolved disputes. Their actions have also negatively impacted my credit score by XXXX points, which may constitute unfair or deceptive practices under state and federal consumer protection laws. 

Final Resolution Attempts : I sent a certified receipt letter requesting arbitration, as outlined in my CareCredit agreement. To date, Synchrony has not responded, nor have they paused collection efforts. This lack of response and continued pressure may violate contractual arbitration provisions and CFPB arbitration standards, which require transparency and good faith participation in dispute resolution.

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 2025-07-31 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I discovered collection accounts on my credit report from companies I have never signed a contract or agreement with. I have no knowledge of the debt being collected and did not authorize the third party debt collector in my name. The debts are as follows XXXX. XXXX XXXX XXXX {$390.00} date : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$610.00} date : XX/XX/XXXX XXXX. XXXX {$4700.00} date : XX/XX/XXXX I also discovered other accounts where someone else or identity theft error. The debts are as follows XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX. XXXX XXXX XXXX {$1900.00} date : XX/XX/XXXX I am filing this report because these accounts were open or transferred without my consent or authorization and are fraudulent in nature under FCRA section 1681 and FDCPA section 809. If you can help me with the removal of these accounts I would really appreciate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
I discovered collection accounts on my credit report from companies I have never signed a contract or agreement with. I have no knowledge of the debt being collected and did not authorize the third party debt collector in my name. The debts are as follows XXXX. XXXX XXXX XXXX {$390.00} date : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$610.00} date : XX/XX/XXXX XXXX. XXXX {$4700.00} date : XX/XX/XXXX I also discovered other accounts where someone else or identity theft error. The debts are as follows XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX. XXXX XXXX XXXX {$1900.00} date : XX/XX/XXXX I am filing this report because these accounts were open or transferred without my consent or authorization and are fraudulent in nature under FCRA section 1681 and FDCPA section 809. If you can help me with the removal of these accounts I would really appreciate 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 non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-31 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: NY

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 2025-07-31 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: IN

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation