vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-09-11 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report that are hurting my ability to obtain credit.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau CFPB, the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under the trafficking according to Trafficking-debt Final RULE 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. please delete the following account. 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 2025-09-11 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:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/XXXX, 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 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. This fraudulent, inaccurate, and false information consists of XXXX. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB XXXX XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 

XXXX. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB XXXX XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 

XXXX. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB XXXX XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 

XXXX. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB XXXX  XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. DEBT REC XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the US  Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : XXXX XXXX XXXX Late dates : XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX, DEPT OF XXXX XXXX XXXX Dates XX/XX/XXXX to XX/XX/XXXX & XXXXEPT OF EDUCATIONXXXX XXXX Late Dates XX/XX/XXXX to XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. 
I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this TransUnions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-11 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX XX/XX/year> Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX To : CFPB Subject : Cease and Desist Incorrect Credit Reporting To Whom It May Concern : I am writing regarding inaccurate and incorrect information that is being reported on my credit reports under my name and Social Security number. This information is false, unverified, and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information and demand its correction or removal. I have previously notified you of this error, and yet the incorrect reporting persists. 

Therefore, I formally demand that you : Cease reporting any incorrect or unverifiable information concerning this account to the credit reporting agencies. Delete or correct the inaccurate item from my credit file immediately. Provide me with written confirmation of your compliance within 30 days of receipt of this letter. Be advised that if you fail to comply, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal remedies to protect my rights and credit standing. This letter serves as a final notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX XX/XX/year> XXXX  XXXX. XXXX XXXX XXXX, XXXX XXXX To : CFPB Subject : Cease and Desist Incorrect Credit Reporting To Whom It May Concern : I am writing regarding inaccurate and incorrect information that is being reported on my credit reports under my name and Social Security number. This information is false, unverified, and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information and demand its correction or removal. I have previously notified you of this error, and yet the incorrect reporting persists. 

Therefore, I formally demand that you : Cease reporting any incorrect or unverifiable information concerning this account to the credit reporting agencies. Delete or correct the inaccurate item from my credit file immediately. Provide me with written confirmation of your compliance within 30 days of receipt of this letter. Be advised that if you fail to comply, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal remedies to protect my rights and credit standing. This letter serves as a final notice. Govern yourselves accordingly. 

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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX XX/XX/year> XXXX  XXXX. XXXX XXXX XXXX, XXXX XXXX To : CFPB Subject : Cease and Desist Incorrect Credit Reporting To Whom It May Concern : I am writing regarding inaccurate and incorrect information that is being reported on my credit reports under my name and Social Security number. This information is false, unverified, and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information and demand its correction or removal. I have previously notified you of this error, and yet the incorrect reporting persists. 

Therefore, I formally demand that you : Cease reporting any incorrect or unverifiable information concerning this account to the credit reporting agencies. Delete or correct the inaccurate item from my credit file immediately. Provide me with written confirmation of your compliance within 30 days of receipt of this letter. Be advised that if you fail to comply, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal remedies to protect my rights and credit standing. This letter serves as a final notice. Govern yourselves accordingly. 

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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Ive held a JCPenney Credit Card issued by Synchrony Bank since XXXX with a {$200.00} limit and XXXX XXXX on-time payments ; typical utilization XXXX %. In XX/XX/XXXX, my XXXX. card awarded me an increased by {$4000.00} ( total revolving limits over {$10000.00} across XXXX cards ). In XX/XX/XXXX my overall utilization was XXXX % and my credit score went from XXXX in XXXX to XXXX in XXXX and XXXX now for the prior XXXX months. On XX/XX/XXXX, Synchrony posted a letter to my J.CPennys Charge card reducing my limit from {$200.00} to {$100.00}. 

The letter Synchrony bank sent cites a XXXX  XXXX score dated XX/XX/XXXX and too many inquiries, though I had only XXXX inquiries since XXXX of XXXX ( one tied to my XXXX limit increase of {$4000.00} ). Yet, the card merchant does not trust their consumer to be responsible with {$200.00}, after 5 years of never going bad or ever being late, this Synchrony banking organization believes their consumer can only manage {$100.00}. I would suggest rethinking your choices as a professional business, and be professional by explain your reasonings behind these simple minded choices. As a consumer who paid you interest over these 5 years and maintained business with your merchant, I find your decisions highly disrespectful and the adverse action of providing me a {$100.00} credit extremely disrespectful as an insult, and to even have the audacity to process something that minimal after several years of business. Shows a lot about the character behind this business. Greed is all that comes to mind with a shady business operating like this. I didn't know they even was capable of having {$100.00} limits on a credit card anymore. Multiple chats have been disconnected upon me trying to reach out for assistance on their web based platform, eventually leading to within a minute, preventing resolution. The action appears to rely on inaccurate or outdated credit info and lacks transparency, harming my utilization ratio and potentially my scores/credit access. 

I request CFPB review and that Synchrony : ( XXXX ) verify and correct any inaccurate bureau data ; ( XXXX ) provide complete adverse-action reasons/codes and data sources ; and ( XXXX ) re-evaluate and restore the limit ; no less than {$500.00} but preferably $ XXXX due to the extensive history or provide a documented, data-based rationale. 

Attachments : XX/XX/XXXX portal letter ; score logs ( XXXX, XXXX XXXX ) ; XXXX  XXXX report since XXXX to XXXX ; XX/XX/XXXX XXXX. + {$4000.00} approval ; chat screenshots. 

( Letter referenced here : Synchrony letter dated XX/XX/XXXX, posted to account XX/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 2025-09-11 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: CA

Complaint narrative:
I have noticed that my report does not reflect my correct personal information, and this has caused several unknown and inaccurate accounts to appear under my name. I am a victim of identity theft, and my information was used fraudulently, which is why I am seeing items on my report that I have never been associated with. As instructed by Experian, I filed an FTC report and submitted it, yet these fraudulent items continue to remain on my report. This is unacceptable and continues to cause harm and unnecessary stress.

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 2025-09-11 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 noticed that my report does not reflect my correct personal information, and this has caused several unknown and inaccurate accounts to appear under my name. I am a victim of identity theft, and my information was used fraudulently, which is why I am seeing items on my report that I have never been associated with. As instructed by TransUnion, I filed an FTC report and submitted it, yet these fraudulent items continue to remain on my report. This is unacceptable and continues to cause harm and unnecessary stress.

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 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
I have tried disputing this on my credit report, letting them know that it was the action of identity because my phone was stolen and the person who stole my phone was close to me and knew my passcode so I was able to get into my phone which had all my information on it Reported it as identity theft with company and they refuse to remove it from my credit report stating that it was verified as accurate and it was not I even have a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
To Whom it May Concern, I am requesting removal of incorrect names and addresses on my credit report, your agencies ( XXXX, Transunion, XXXX  ) are reporting. I'm requesting removal and deletion of all names and addresses that are not on my ID or proof of address under the Fair Credit Reporting Act. 

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 2025-09-11 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: Experian Information Solutions Inc.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief