vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
Im writing to formally dispute a fraudulent account that has appeared on my credit report. Let me be extremely clear I did not open this account, I did not authorize it, and its presence on my credit file is a result of unauthorized use of my identity.

This account is not mine, and I have never had any dealings with this company. I did not apply for, open, or use this account in any way. It was opened without my knowledge or consent, which makes it fraudulent by every legal and ethical standard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding a dispute with PayPal Credit, which is issued by Synchrony Bank. 

On XXXX XXXX I used my PayPal Credit line to purchase athletic wear from XXXX. The item was not delivered, and I attempted to resolve the matter directly with the seller without success. 

Following that, I opened a dispute through the PayPal Resolution Center, providing all necessary documentation, including [ tracking informatio, communication with the seller, etc. ]. Despite the evidence, PayPal closed the case in favor of the merchant and refused to issue a refund. 

As I used a line of credit for this transaction, I contacted Synchrony Bank to initiate a billing dispute under the Fair Credit Billing Act. However, they also denied the claim without sufficient explanation or investigation. 

I believe I have taken all reasonable steps to resolve this matter and am now seeking assistance from the Consumer Financial Protection Bureau. I am requesting a full reversal of the charge, and an investigation into both PayPals and Synchrony Banks dispute resolution practices 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 monetary relief
Consumer complaint received 2025-06-25 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I contacted the bank ( XXXX/Comenity ) regarding a fraudulent account listed under my credit report. They confirmed that the account is under my sisters name, not mine but it was created using my Social Security number and date of birth. They stated they would send a letter to XXXX  to request the account be removed.Despite this, I have disputed the account with XXXX multiple times in the past. I clearly explained it was not my account and that my sisters information and mine have previously been confused due to similar identities. Instead of removing the account, XXXX  only closed it, and it continues to negatively affect my credit. 
I am requesting that this account be fully removed from my credit history, along with the incorrect also known as name that was added to my profile. Ive taken every step I can and need this corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
request that any injurious aspects of allegations be withdrawn from negative reporting for the following item : LVNV FUNDING Ithis item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law, and removed from negative reporting.

According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the XXXX XXXX bearing my signature & explanation of the amount and how it was calculated. 

Attached screenshot where shows inaccuracies and inconsistencies in last activity, last report, late payments dates also Along with my ID and proof of address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: ID

Complaint narrative:
In XX/XX/year>, I mailed letters to each of the companies that placed unauthorized inquiries on my credit report. In these letters, I requested removal of the inquiries under my rights provided by the Fair Credit Reporting Act ( FCRA ), as I did not authorize or initiate any credit applications with these entities. 

I also formally disputed the inquiries with all three major credit bureausEquifax, Experian, and TransUnionin writing. Despite these efforts, the inquiries remain on my credit report, and no corrective action has been taken by the companies or the credit reporting agencies. 

Additionally, I filed a report with IdentityTheft.gov due to concerns that these inquiries may be the result of fraudulent activity or identity theft. My FTC Identity Theft Report was included with my dispute correspondence.

Because of the unusually high number of unauthorized inquiries that appeared in a short period of time, I strongly believe I may have been affected by a data breach. The volume and frequency of the inquiries are not consistent with any credit activity I have initiated, and I am concerned that my personal information has been compromised. 

Given that I have taken all appropriate steps to resolve this matter directly with the companies and credit bureaus, I am now seeking the CFPBs assistance in investigating this issue and ensuring the removal of these unauthorized inquiries, as is my right under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: ID

Complaint narrative:
In XX/XX/year>, I mailed letters to each of the companies that placed unauthorized inquiries on my credit report. In these letters, I requested removal of the inquiries under my rights provided by the Fair Credit Reporting Act ( FCRA ), as I did not authorize or initiate any credit applications with these entities. 

I also formally disputed the inquiries with all three major credit bureausEquifax, Experian, and TransUnionin writing. Despite these efforts, the inquiries remain on my credit report, and no corrective action has been taken by the companies or the credit reporting agencies. 

Additionally, I filed a report with IdentityTheft.gov due to concerns that these inquiries may be the result of fraudulent activity or identity theft. My FTC Identity Theft Report was included with my dispute correspondence.

Because of the unusually high number of unauthorized inquiries that appeared in a short period of time, I strongly believe I may have been affected by a data breach. The volume and frequency of the inquiries are not consistent with any credit activity I have initiated, and I am concerned that my personal information has been compromised. 

Given that I have taken all appropriate steps to resolve this matter directly with the companies and credit bureaus, I am now seeking the CFPBs assistance in investigating this issue and ensuring the removal of these unauthorized inquiries, as is my right under the 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 2025-06-25 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To : Equifax / XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment Reporting DEPT OF ED/XXXX XXXXccount Number : XXXX Dear EquifaxXXXX  XXXX, I am writing to dispute inaccurate information being reported on my credit file regarding my student loan with DEPT OF ED/XXXX, account number XXXX. The account shows three 90-day late payments, even though it includes the remark " Payment deferred '' and currently has a status of " Current, was past due 120 days. '' This is inaccurate reporting. During the period when those alleged delinquencies occurred, the loan was in deferment, which means payments were not required or expected. Reporting missed payments during a valid deferment period violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and complete.

Therefore, I am requesting a full investigation and the removal of the inaccurate late payment history associated with this account. I also ask that you confirm the results of your investigation in writing and provide an updated credit report reflecting any corrections made.

If the reporting can not be fully verified as accurate, I request that the negative entries be deleted immediately from my credit report, as required by the FCRA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX / TransUnion Subject : Dispute of Inaccurate Late Payment Reporting DEPT OF ED/XXXX  Account Number : XXXX Dear XXXX/Trans Union, I am writing to dispute inaccurate information being reported on my credit file regarding my student loan with DEPT OF ED/XXXX, account number XXXX. The account shows three 90-day late payments, even though it includes the remark " Payment deferred '' and currently has a status of " Current, was past due 120 days. '' This is inaccurate reporting. During the period when those alleged delinquencies occurred, the loan was in deferment, which means payments were not required or expected. Reporting missed payments during a valid deferment period violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and complete.

Therefore, I am requesting a full investigation and the removal of the inaccurate late payment history associated with this account. I also ask that you confirm the results of your investigation in writing and provide an updated credit report reflecting any corrections made.

If the reporting can not be fully verified as accurate, I request that the negative entries be deleted immediately from my credit report, as required by the FCRA.

Thank you for your attention to this matter. 
Sincerely, XXXX 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 2025-06-25 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:
When I reviewed my credit report today, I noticed unexpected discrepancies that werent there before. At first, I thought it might just be a temporary glitch, so I refreshed the page, but nothing changedthe inaccurate accounts were still there. I kindly ask that the documents I submitted be reviewed carefully so I can finally stop stressing over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
b"My mortgage company paid my taxes and insurance and sent me an escrow analysis explaining a shortage due to increase in my homeowner's policy.  After my policy was re-evaluated and there was a decrease in my payment, my mortgage company sent me a new analysis showing a lower shortage amount due but my monthly payment would still be increasing.  I asked my mortgage company if I could pay more than what I owed on the shortage amount to keep my monthly payment from increasing.  The mortgage company said that could not be done.\nIf a new analysis was run after my insurance premium changed, why can't I pay extra to avoid my monthly payment increasing and a new analysis run to reflect it?\nI called the XXXX XXXX XXXX XXXX and they referred me to CFPB.\nThe CFPB referred me to the Housing Counselor for my zip code, phone number XXXX XXXX\nThe Housing counselor referred me to HUD XXXX.\nHUD has recorded message which referred me back to Housing Counselor for my zip code.\nI read a blog somewhere that someone was able to pay extra on top of their shortage due to avoid their monthly payment from increasing so I would like to know; is every loan servicer allowed to make up their own rules in this situation?"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I have tried con Contact Experian credit bureau and they never answer. I tried to dispute some information that it was due to identity thief and errors and they havent answer because they always have the automatic machine and they need to fix my credit errors because theres a lot of addresses, names, Social Security, and they never answered me.i need to dispute hard and soft inquiries from my credit bureaus that i haven submitted. thats what is making my credit in a bad punctuation, and not letting me get credit for companies or banks or my business. 
I have tried contacting them but not one single time have done it.

Every time I ask for credit line or business loans is due to Experian that I never get credit lines and my business is going down because I cant get business loans because all hard inquiries from identity theft from data breach from EQIFAX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 have tried con Contact Experian credit bureau and they never answer. I tried to dispute some information that it was due to identity thief and errors and they havent answer because they always have the automatic machine and they need to fix my credit errors because theres a lot of addresses, names, Social Security, and they never answered me.i need to dispute hard and soft inquiries from my credit bureaus that i haven submitted. thats what is making my credit in a bad punctuation, and not letting me get credit for companies or banks or my business. 
I have tried contacting them but not one single time have done it.

Every time I ask for credit line or business loans is due to Experian that I never get credit lines and my business is going down because I cant get business loans because all hard inquiries from identity theft from data breach from EQIFAX, XXXX, XXXX XXXX XXXX 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 2025-06-25 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: FL

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency used to verify the accuracy and completeness of the information currently under dispute, as required by 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I have the right to receive a complete explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted regarding the disputed item. 

Please ensure this information is provided within XXXX XXXX  of receiving this request, in accordance with your obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX BANK # XXXX - Date Opened XX/XX/year> 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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