vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$79.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$38.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$37.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 2025-09-26 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NV

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. A 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 2025-09-26 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: NV

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. A 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Its in regards to XXXX XXXX credit card, provided by Synchrony Bank. 
After login in today through the website I noticed that my address was changed and my phone number whipped out from the profile. 
Ive corrected this information immediately and called banks helpline. 
Banks assistant said that supposedly I gave XXXX to some credit consolidation company and thats why they have imputed their address. I said that I XXXX gave any XXXX  to anyone. I have requested a copy of said document and assistant said that they dont have it. So how did they gave them access to my account without actually having that document? 
Looks like any scammer can access Synchrony Bank accounts and they will let them because they dont verify any documentation.

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 2025-09-26 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: TX

Complaint narrative:
I am personally filing this dispute regarding inaccurate delinquency entries that have appeared on my credit file. After conducting a careful analysis of my credit report, I have identified these erroneous late payment notations that need immediate correction. My previous correspondence submitted more than XXXX days ago has gone unanswered, and no adequate proof has been furnished to substantiate these disputed negative marks. I am seeking your direct involvement to quickly and effectively resolve this credit reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-26 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: DISCOVER BANK
State: PA

Complaint narrative:
In XXXX I was XXXX  time in XXXX on XXXX XXXX work and travel, I got XXXX in my maiden name XXXX. I was XXXX XXXX XXXX. The company was pay salary be check it was XXXX  XXXX XXXX. After XXXX  month I returned to XXXX. In XXXX I got married and change all my documents. My last name till now is XXXX. I dont have any documents with XXXX XXXX XXXX. Because of XXXX  in our country I and my family me and XXXX children made decisions to come back in XXXX. 
We come back on XX/XX/XXXX come to XXXX  office and they give me my XXXX  it is the same but with last name XXXX. I dont have another XXXX. 
In XX/XX/XXXX I was trying to open XXXX  in my life credit card I wanted to build my XXXX XXXX. When I open XXXX XXXX after few month I so that somebody using my personal info ( I soo that in XXXX score when they let me that I have XXXX  years credit history with different banks, different places and phone numbers. I was in shock. With XXXX banks and mobiles operators I was resolved any questions. I made a report tfc, police, freeze all XXXX credit bureaus, but Discover bank dont wont to close accounts. I told them that I wasn on the territory of XXXX in XXXX. They told my why I didnt call them earlier. I told them when I soo the info I alredy call. But in this situation they dont see fraud. They put me in charge off. But I never had open accounts in Discover bank and I have different Last name and place of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am disputing inaccurate late payment entries and negative account information being reported by XXXX XXXX XXXX XXXX. These entries do not accurately reflect my payment history. I am requesting that the company provide verification of these reported items, and if they can not be verified, that they be removed from my credit report. The inaccurate reporting is harming my credit and does not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
To Whom It May Concern, I am demanding the immediate removal of fraudulent information from my credit report pursuant to 15 USC 1681c-2. You are in violation of federal law by continuing to report this account despite my repeated disputes and the supporting evidence I have already provided. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission FTC Report Number XXXX. Under 15 USC 1681c-2, once a consumer submits an identity theft report, the credit reporting agency must block all disputed information identified as the result of identity theft within XXXX XXXX business days. You have failed to comply with this requirement. 
The fraudulent account that must be blocked immediately is XXXX XXXX XXXX XXXX XXXX This account is not mine. It is the result of identity theft. Other credit reporting agencies have already deleted it after failing to verify it. The furnisher has not provided a contract or any valid proof after more than XXXX  days, proving that this account can not be verified. Yet Transunion continues to report it, knowingly causing harm. 
Your refusal to block and remove this fraudulent account has caused me serious and ongoing financial and personal harm, including denial of credit opportunities and blocking my ability to purchase a home for my family. This is unacceptable and unlawful. 
I am demanding immediate removal of this account from my credit report. If this matter is not resolved without further delay, I will have no choice but to escalate this issue by filing additional complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney General for your failure to comply with federal 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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: PA

Complaint narrative:
XXXX XXXX and its contracted repossession agents wrongfully seized my late uncles vehicle directly from my mothers residence in XXXX, XXXX, only weeks after his passing, despite the familys clear intent to assume the loan payments. At no point were we given proper notice, due process, or any reasonable opportunity to resolve the account. 

After seizing the vehicle, XXXX and its agents deliberately misled us regarding its location. We were told the vehicle was at a XXXX, XXXX  lot, only to later discover it had been moved to XXXX, XXXX  without disclosure. This deception prevented us from accessing or recovering our belongings. 

When my family attempted to retrieve the vehicle or at minimum our personal property ( including clothing, sports equipment, personal documents, and other valuables ), we were denied access multiple times. Despite scheduling official appointments, we were stonewalled, disrespected, and refused the return of clearly personal items. 

This conduct constitutes unlawful and deceptive practices, in violation of : Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC 9-609 and 9-610 regarding repossession and disposition of collateral ), and CFPBs standards for unfair, deceptive, or abusive acts or practices ( UDAAP ). 

Additionally, refusing to return personal property is a direct violation of state repossession law and amounts to theft and conversion of property. The hostile and dismissive treatment of my aunt and mother at the repossession site inflicted significant emotional distress during an already devastating period of grief. 

I am demanding immediate investigation into XXXX XXXX actions and the conduct of its repossession contractors. I request : XXXX. The immediate return of all personal property wrongfully withheld. 
XXXX. A full accounting of the repossession process, including notices allegedly provided, dates, and parties involved. 
XXXX. Regulatory sanctions, fines, or restitution for these predatory practices. 
XXXX. Compensation for damages and losses caused by their refusal to return personal property and their deceptive handling of this matter. 

XXXX XXXX has a documented history of abusive practices. Their conduct here is egregious, unlawful, and requires urgent regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
I have not received my payroll direct deposit. My employer stated this is a chime issue. Chime has yet to resolve issue, and payroll still hasnt been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
Jefferson Capital Systems , LLC at XXXX XXXX XXXX XXXX, XXXX, MN XXXX has been sending me collection notices in the amount of $ {$9000.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Merchandise {$5500.00} For over a year, I've repeatedly reported these three transactions as fraudulent, but the bank has consistently accepted the merchant 's fabricated information. Consequently, my appeals have been unsuccessful. I now feel that appealing to the bank won't resolve the issue. However, even if the bank remains inactive regarding such clearly forged documents, it should at least not charge me the interest on these three fraudulent transactions. 

In particular, the merchant, XXXX XXXX, officially confirmed their deregistration in XXXX ( attached with official confirmation ). This clearly proves that the contract they provided for XXXX was a fraudulent one. Furthermore, the police have already classified this case as fraud. However, Discover ignored this strong evidence and, for the sake of convenience, simply approved the false documents, resulting in significant losses for me. Whats more serious is that my grandmother was also worried about these fraudulent transactions and died of a XXXX XXXX during the dispute. 

I will pursue legal action and other avenues to resolve the issue, but for now, Discover should at least not charge me the interest on these three fraudulent transactions.

Company response to consumer: Closed with explanation