vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had received a promotional Walgreens credit card offer which stated that if I spent {$500.00} within the first 3 months I would receive {$50.00} in rewards and if I spent {$750.00} I would receive {$75.00} in rewards. I got the card in XX/XX/year> and spent {$53.00}. In XXXX I spent {$670.00}. In XXXX I I spent {$140.00}. Totally I spent {$810.00} which qualified me to receive {$75.00} in Walgreen Rewards. 

I contacted them credit card representative twice. She said I would receive them XX/XX/XXXX. I checked the sight then and checked it as of todays date. WHERE IS MY {$75.00} IN REWARDS????? 

I have been given a complete run around. I called them a total of 3 times as well as sent them a message on the Walgreens.XXXX site. They give me the run around -- always stating 2 more months. I should have gotten my {$75.00} in rewards in XXXX. When I have called them -- they hang up the phone on me. This is fraudulent to send a credit card offer and NOT HONOR it. I spent what was required to receive my {$75.00} in rewards. 

This is already XX/XX/XXXX and I want my {$75.00} in reward MONEY posted onto my credit card.! I also reported them to Walgreens Corporate Office and have had no response from them either. This was a phoney credit card promotion.

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 2025-09-22 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-09-22 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-22 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$7400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Request for Debt Validation Account No : XXXX ( Original Creditor : XXXX  XXXX ) To Whom It May Concern, I am writing regarding the above-referenced account that you have reported as being in collection, with an alleged balance of {$710.00}. I dispute this debt and request full validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following : The name and address of the original creditor ( XXXX XXXX is listed, please confirm ). 

A full accounting of the amount claimed, including an itemized breakdown of the {$710.00} balance. 

A copy of the original signed contract, agreement, or application that makes me legally responsible for this debt. 

Documentation showing that Jefferson Capital Systems has the authority and legal right to collect this debt. 

Proof of licensing and bonding to collect debts in the state of California. 

Copies of any judgments, if applicable. 

Please note : reporting unverifiable or inaccurate information to any credit bureau is a violation of the Fair Credit Reporting Act ( FCRA ). Until this debt is fully validated, you must cease collection activities, including reporting or updating this account on my credit file. 

This letter is not a refusal to pay but a request for validation. If you can not provide proper documentation, you must : Cease all collection efforts, and Remove this account from my credit report. 

I also request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
The entry reported does not fairly reflect my payment record and seems mistaken. Kindly review and delete 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 explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's inaccurate reporting of a bankruptcy on my credit report. This bankruptcy does not belong to me and is materially false and damaging to my credit standing and personal reputation. 

As part of my investigation into this matter, I obtained a copy of my XXXX Full File Disclosure, which I am attaching to this complaint. The report shows no record of any bankruptcy filing under my name. I also contacted the Bankruptcy Court Listed on the Equifax Report and a court representative confirmed there is no bankruptcy filing associated with my name, Social Security number, date of birth, or any other personally identifiable information I provided. 

The court further informed me that they do not report bankruptcy information to any consumer reporting agencies, including Equifax. Therefore, Equifax 's reporting of this bankruptcy is not only false, but lacks a verifiable public record source. 

I have disputed this information with Equifax directly, but the company has failed to remove or correct the inaccuracy. As a result, I am requesting the CFPB to investigate this matter and compel Equifax to : Immediately delete the inaccurate bankruptcy record from my credit file ; Provide me with written confirmation that this has been done ; Reinvestigate and verify all bankruptcy-related data before including it in any consumer 's file. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Equifax 's actions constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information contained in the consumer report.
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation after a consumer disputes information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or modify inaccurate or unverifiable information.

15 U.S.C. 1681n and 1681o Civil liability for willful or negligent noncompliance with FCRA requirements. 

I am a litigious consumer and will not hesitate to file a civil lawsuit for damages, costs, and attorneys fees if this matter is not resolved promptly and in full compliance with federal law. 

Please see the attached copy of my XXXX report for further evidence supporting my claims. 

Thank you for your prompt attention to this matter. I trust that your office will hold Equifax accountable for its obligations under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

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 2025-09-22 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
To Whom It May Concern, This correspondence is issued in response to recent communications regarding alleged debt totaling {$3100.00}, which have been reported as being in collections under my name. I am formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full and complete validation of each of these alleged debts.

Please be advised that I do not acknowledge these debts and will not remit payment or engage in any form of negotiation until the following documentation is provided for each account : A detailed breakdown of the total amount claimed, including principal, interest, fees, and any payments received. 

The full name and contact information of the original creditor, along with the original account number. 

A copy of the original contract or agreement bearing my signature, establishing legal obligation. 

Documentation demonstrating your legal authority to collect these debts, including licensing information and jurisdiction. 

A copy of any judgment obtained, if applicable, including the issuing court and case number. 

Until such documentation is furnished, you are required to cease all collection activities, including but not limited to written correspondence, telephone calls, and reporting to credit bureaus. Any attempt to collect without proper validation constitutes a violation of federal law and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

This letter does not constitute a refusal to pay, but rather a lawful request for substantiation. If you fail to respond within thirty ( 30 ) days of receipt, I will consider the matter closed and any further attempts to collect will be deemed unlawful and subject to legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-22 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ( XXXX ) ( XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 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

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 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
I was sent a letter by Aidvantage on XX/XX/year>, stating there were changes to the terms of my student loans. It said my new payment would be {$290.00} beginning on XX/XX/year>. I made payments in XXXX, XXXX, and XXXX. On XX/XX/year>, I logged in to my account and it stated my balance due was {$290.00} for XX/XX/year>. I made the payment that day. I logged in on XX/XX/year> and made an additional payment of {$100.00} just to help make headway with my balance. I logged in today ( XX/XX/year> ) and noticed it said my balance due on XX/XX/year> is now {$300.00}. I have never received any notification of a change in terms to my loans. I made my payments for XXXX and now it says I have another balance due. Aidvantage could not give me any info on what happened, other than that I should select a new payment plan. The representative hung up on me while I was on hold waiting for her to escalate the call because she could provide XXXX info. I have never missed any payments and even made payments while in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Adverse information to be blocked Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For XXXX XXXX XXXX XXXX ; Reported Name : XXXX XXXX Reported Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported SSN/ID : XXXX INQUIRIES Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX 
Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXXXXXX 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 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 2025-09-22 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: Experian Information Solutions Inc.
State: AZ

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 2025-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
This is the second time I am being forced to file a complaint with the CFPB regarding the same fraudulent collection that has been placed on my credit file a second time. I have attached the correspondence from XXXX  that transpired and documentation to reflect the collection was a fraudulent claim. Advance America has created this fraudulent collection and repeatedly sells it to other Collection Agencies for collection. There has been an additional collection placed on my credit file in the amount of {$550.00} this is not my debt. The current collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX phone XXXX. I phoned this collection agency on XX/XX/XXXXXXXX  at XXXXXXXX XXXX and spoke with XXXX XXXX. I informed him this was a fraudulent collection and needed him to remove from my file. He stated he could not do anything unless I gave him my Social Security Number and Date of Birth. I refused so he hung up the phone. I once again am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report, in the amount of {$550.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report immediately. Secondly, my credit score should be returned to the original score prior to this collection having been placed on my credit file.

Company response to consumer: Closed with explanation