vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My data was breached. Code 15USC1681 I request the following needs to be removed from my credit report and my credit restored : + A high balance was paid in the same month but lowered my score at Chase Freedom, please remove + A second and third credit inquiry on the same XXXX lowered my score, this was a mistake Please restore my credit, let me know. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) in the reporting of a collection account alleged to originate from XXXX XXXX. This account appears on my Equifax, TransUnion, and Experian credit reports with numerous inconsistencies, inaccuracies, and misrepresentations : The original creditor name is not consistent across all three bureaus. This misrepresentation constitutes a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates data furnishers report complete and accurate information. 
Equifax reports no account status at all, whereas TransUnion and Experian report it as a collection account or similar. Incomplete data that omits key context is misleading and unlawful under the FCRA.

I dispute this debt, and there is no evidence XXXX XXXX validated it as required under FDCPA 809 ( b ). The account continues to be reported without providing me verification, violating my rights as a consumer. 
If this debt has been re-aged or updated in a way that extends its time on my credit report beyond the 7-year limit or resets the clock illegally, this would constitute a major FCRA violation . 
I demand the immediate deletion of this account from all three credit bureausEquifax, TransUnion, and Experian. Additionally, I request that the CFPB investigate XXXX XXXX XXXX and its data furnishing practices. Their ongoing misreporting has caused me significant emotional distress, financial harm, and credit denials. 
I reserve the right to pursue additional legal remedies if this issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) in the reporting of a collection account alleged to originate from XXXX XXXX. This account appears on my Equifax, TransUnion, and Experian credit reports with numerous inconsistencies, inaccuracies, and misrepresentations : The original creditor name is not consistent across all three bureaus. This misrepresentation constitutes a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates data furnishers report complete and accurate information. 
Equifax reports no account status at all, whereas TransUnion and Experian report it as a collection account or similar. Incomplete data that omits key context is misleading and unlawful under the FCRA.

I dispute this debt, and there is no evidence XXXX XXXX validated it as required under FDCPA 809 ( b ). The account continues to be reported without providing me verification, violating my rights as a consumer. 
If this debt has been re-aged or updated in a way that extends its time on my credit report beyond the 7-year limit or resets the clock illegally, this would constitute a major FCRA violation . 
I demand the immediate deletion of this account from all three credit bureausEquifax, TransUnion, and Experian. Additionally, I request that the CFPB investigate XXXX XXXX XXXX and its data furnishing practices. Their ongoing misreporting has caused me significant emotional distress, financial harm, and credit denials. 
I reserve the right to pursue additional legal remedies if this issue is not resolved immediately.

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 2025-04-08 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: NY

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: WI

Complaint narrative:
I am a victim of identity theft and recently discovered that an account with XXXX XXXX ( Account # : XXXX ) was fraudulently opened in my name without my knowledge or consent. I did not authorize this account, nor did I receive any benefit from it. I am submitting this report to document the identity theft and to request that this account be blocked and permanently removed from my credit file under FCRA 605B. In accordance with federal law, the credit bureaus are required to block this fraudulent information within 4 business days of receiving my identity theft report and supporting documents. I am also contacting the creditor directly to ensure no further reporting or collection activity occurs.

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 2025-04-08 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 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: RI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Two loan companies reporting incorrectly and social has been compromised as well as data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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 2025-04-08 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: PA

Complaint narrative:
Summary of Violations & Discrepancies : Violation of FCRA 623 Furnishing Inaccurate Information : Reporting this account as a collection without proper validation of the alleged debt is a direct violation. 
XXXX is reporting different agency names and incomplete or conflicting data across the three bureaus, which violates the duty to report accurate and consistent information.

Violation of FCRA 611 Failure to Reinvestigate Disputed Information : Despite my dispute as shown in the comments, this account remains on all three credit reports with no reinvestigation results provided or communicated, nor any change in status.

Violation of FDCPA 807 ( 8 ) False or Misleading Representations : XXXX is reporting a Collection Account without showing any verification of the debt ( no itemization, dates of delinquency, or proof of ownership of the debt ).

Violation of FCRA 605 ( a ) Reporting Obsolete or Re-aged Debt : The original creditor account is not shown, and the date of first delinquency is not clearly documented. This could lead to illegal re-aging of the debt, resetting the clock improperly on reporting time limits.

Violation of FCRA 602 ( A ) & ( B ) Unfair and Unjust Reporting Practices : The presence of incomplete status information ( missing on Equifax ) and contradictory reporting on the same debt creates confusion and damages my credit profile, especially while under dispute.

Requested Resolution : I demand the immediate deletion of this XXXX XXXX XXXX account from Equifax, TransUnion, and Experian on the basis of : Inaccurate and incomplete data reporting Continued reporting of a debt in dispute without proper verification Failure to validate under FDCPA Potential re-aging of account history Violations of my rights under the FCRA and FDCPA Additionally, I am requesting an investigation into XXXX XXXX XXXXXXXX XXXX data furnishing practices and their adherence to proper dispute handling procedures under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
Summary of Violations & Discrepancies : Violation of FCRA 623 Furnishing Inaccurate Information : Reporting this account as a collection without proper validation of the alleged debt is a direct violation. 
XXXX is reporting different agency names and incomplete or conflicting data across the three bureaus, which violates the duty to report accurate and consistent information.

Violation of FCRA 611 Failure to Reinvestigate Disputed Information : Despite my dispute as shown in the comments, this account remains on all three credit reports with no reinvestigation results provided or communicated, nor any change in status.

Violation of FDCPA 807 ( 8 ) False or Misleading Representations : XXXX is reporting a Collection Account without showing any verification of the debt ( no itemization, dates of delinquency, or proof of ownership of the debt ).

Violation of FCRA 605 ( a ) Reporting Obsolete or Re-aged Debt : The original creditor account is not shown, and the date of first delinquency is not clearly documented. This could lead to illegal re-aging of the debt, resetting the clock improperly on reporting time limits.

Violation of FCRA 602 ( A ) & ( B ) Unfair and Unjust Reporting Practices : The presence of incomplete status information ( missing on Equifax ) and contradictory reporting on the same debt creates confusion and damages my credit profile, especially while under dispute.

Requested Resolution : I demand the immediate deletion of this XXXX XXXX XXXX account from Equifax, TransUnion, and Experian on the basis of : Inaccurate and incomplete data reporting Continued reporting of a debt in dispute without proper verification Failure to validate under FDCPA Potential re-aging of account history Violations of my rights under the FCRA and FDCPA Additionally, I am requesting an investigation into XXXX XXXX XXXXXXXX XXXX data furnishing practices and their adherence to proper dispute handling procedures under the 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 non-monetary relief
Consumer complaint received 2025-04-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The fraudulent credit card account XXXX and ending in XXXX, still remains on my credit reports from credit bureaus. American Express and AMEX is using fraudulent unauthorized personal information to keep the fraudulent account on my credit reports. I spoke with American Express and AMEX and sent them a FTC report and nothing have been done to remove the account. They are using fraudulent unauthorized addresses to my identity and reporting it with the account to the credit bureaus. I'm not receiving any mail from these creditors, this is unlawful. The business addresses that American Express and AMEX is reporting to my credit report is a closed transit station called : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This account number reporting : XXXX and ending in XXXX was deleted from my credit report and American Express and AMEX reinserted back the account to the credit bureaus using these fraudulent unauthorized addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

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 2025-04-08 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am the executor of my late fathers estate. He passed away on XX/XX/year>. In late XXXX, I notified Synchrony Bank of his passing and provided a new EIN for the estate, since he could no longer report income under his Social Security number, in an effort to do the right thing during this time of grief.

Synchrony representatives told me they would reissue his existing CDs under the estate EIN while keeping the same interest rates and maturity dates. Based on this, I assumed all original terms were preserved. At no point was I informed that this action would trigger a loss of protections or lead to prepayment penalties ( They have listened to the tapes of our phone calls and agree that the representative never advised me of this very significant fact ).

Only later did I learn that Synchrony now considers these estate CDs subject to early withdrawal penalties, should I choose to redeem them. I have not yet cashed out the CDs specifically because of this unexpected and, in my opinion, unfair penalty.

I have managed estate accounts with other financial institutions, all of whom treated similar CD transfers under the estate EIN without applyin
g penalties. Synchronys approach seems inconsistent with common estate practices and lacks transparency.

I believe this penalty is unjustified. I did not initiate an early withdrawal I simply complied with legal requirements to transfer the account to the estate. Synchrony never disclosed that this would affect the CDs status or trigger fees. I believe that is omission is negligence at best, and unscrupulous at worst.

I am happy to provide a summary of the seven CDs affected, including balances and maturity dates upon request. I will tell you the dollar value is quite significant, as would be any early withdrawal penalty. 

Requested resolution : I request that Synchrony Bank waive all early withdrawal penalties on these CDs and allow me to redeem them without penalty as the executor. I also request that Synchrony clarify and improve its communication regarding estate account transitions and fee disclosures.

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 2025-04-08 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: TX

Complaint narrative:
My XXXX  card was closed and paid off in XXXX my report just updated that it was charged off in XXXX!! Unacceptable will be getting a lawyer if this isn't fixed in a timely manner.

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 2025-04-08 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: MD

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

Company 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