vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 2025-10-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: IL

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 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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a purchase using Cash App. This purchase, it turns out was through a website that is a known XXXX XXXXXXXX XXXX  Outside of the cart I later found, that other links on the site did not work along with an e-mail that comes back as not an registered email. I let Cash app know this and provided evidence that this was a fraudulent purchase right away. 
Friday XX/XX/XXXX as soon as the transaction went through, I disputed the transaction with cash app, and it was denied on Saturday the tenth. On Monday the XXXX I appealed the denial with evidence of the faulty email and website. This today, was denied. The amount is question was for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Zions Debt Holdings
State: LA

Complaint narrative:
Zions Debt Holding is contacting me via text. They have been contacting me since I disputed their name on my credit report. They texted me stating that they are collecting for XXXX, the home security system. I informed them that I do not have a debt with XXXX. I told them that debt was paid in full. 
I was contacted by XXXX via mail in XXXX  regarding the XXXX debt. That debt was paid in full in XXXX payments, via automatic draft from my account. 
I informed Zions that I did not have a XXXX debt, and they are still contacting me. I tried to tell the lady over the phone and she stated " I do not want to hear your monologue '' and hung up on me. 
I contacted XXXX again and they state they are mailing me more proof to prove that I no longer have a debt. I will attach the agreement with XXXX and my bank statements showing my automatic draft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-10-15 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: GA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I opened a CareCredit account with Synchrony Bank in XXXX to cover dental/medical expenses. My final transaction occurred on XX/XX/XXXX, and I have not made any new purchases since that date. 

I have made consistent, on-time monthly payments since XXXX, including a {$2000.00} payment in XX/XX/XXXX that should have significantly reduced my balance. However, despite years of steady payments and no new charges, my balance has continued to rise, increasing from {$3800.00} in XX/XX/XXXX to {$6900.00} in XX/XX/XXXX. 

On XX/XX/XXXX I spoke to XXXX with Synchrony Bank who informed me that they are unable to provide statements prior to XXXX, even though the account was opened in XXXX. This prevents me from reviewing how the original balance and interest were calculated. 

This ongoing balance growth appears to result from compounding or deferred interest or misapplied payments.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northwest Collectors Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding a debt that NORTHWEST COLLECTORS I claims I owe. I dispute the validity of this debt and request validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that NORTHWEST COLLECTORS I provide : The name of the original creditor.

The exact amount of the alleged debt, including any interest, fees, or charges.

Copies of any written contract or agreement that makes me legally responsible for this debt.

Proof that NORTHWEST COLLECTORS I is licensed to collect debts in my state. 

Documentation showing that NORTHWEST COLLECTORS I has the authority to collect this debt on behalf of the original creditor. 

Until validation is provided, I request that all collection activity cease, including reporting to credit bureaus, as required by the FDCPA. I also request that all communication regarding this matter be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 : 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

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 2025-10-15 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-15 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
Dear Equifax 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 : XXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a loyal consumer of American Express since 1997 and always paid every balance in full and always on time. Most recently, my XXXX American Express has been acting very strange towards my account activity as well as inquiries. I am being charged {$800.00} annually for just having the card to get the benefits and I am now being denied of those benefits. They offer a plan it service for purchases and I chose one and have been paying the interest they charge monthly as well as the monthly expected payment but yet I am being penalized for still having a balance with them when it is very clear they offered this to me. Why offer a plan and when someone accepts it and you are getting interest for it, penalize them for it? It makes no sense. I was trying for the first time in my life to use my purchase protection benefit for a purchase lost during a XXXX trip and after 4 months of back and forth and asking for bits and pieces of information instead of asking for every thing at once ( so they can postpone the process each time they ask for an item ), they called me to tell me that the items I purchased are not new and they can not approve. First of all, why does it matter if it was purchased from a store in the allowed time, secondly it says new on my receipt which I submitted and they overlooked. The excuse from their rep is that they spoke with a " XXXX '' at the store and he verified over the phone it is not. So, I'm supposed to take that unverified information over my written and signed information from the actual store? The last matter that drove me to finally file this complaint is that they decreased my spending limit on a card that should have no limit due to the annual fee we pay. Also, I have never been late in payments nor delinquent with my accounts. After asking the supervisor, XXXX he informed me that it's because they pulled my credit report again ( without my authorization or need since I haven't asked them for anything extra ). Also, I have never been negligent in paying off my balance. He stated it was because of the cash advances I was withdrawing. Again, being judged and discriminated against for getting the cash advance when needed and American Express making a lot of money off of interest and me paying every penny off in the allowed time. How dare you dictate to me how I should spend my card and judge me for it? I am appalled from this behavior and wrongful treatment after so many years of loyalty and being a good standing customer. This is pure discrimination and nothing less. I will be looking into legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of all negative items currently listed on my credit report. My request is based on the recent and well-documented TransUnion data breaches, which have compromised consumer data security, accuracy, and integrity. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The breach and ongoing data security concerns cast doubt on the integrity of the negative items being reported and whether they meet the standard of accuracy and proper verification as required by federal law. 

Due to the breach and the associated risks of inaccurate reporting, I am demanding the immediate investigation and deletion of all negative items associated with my name and file. 


Please consider this a formal dispute and request for reinvestigation under FCRA guidelines. If you can not verify these negative items with absolute accuracy and legitimacy, they must be removed from my file. 

I expect a response within the legally mandated timeframe of 30 days.

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 2025-10-15 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: CT

Complaint narrative:
Dear Experian 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 INQUIRIES : 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 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

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 2025-10-15 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: IN

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 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 non-monetary relief
Consumer complaint received 2025-10-15 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: OH

Complaint narrative:
I AM A VICTIM OF MULTIPLE INFORMATION DATA BREACHES FDATING BACK TO 2017 AND RECENTLY I BELIEVE XXXX TOTAL I LOOKED OVER MY REPORT AND SAW A HOST OF UNAUTHORIZED CONSUMER ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: OH

Complaint narrative:
I AM A VICTIM OF MULTIPLE INFORMATION DATA BREACHES FDATING BACK TO 2017 AND RECENTLY I BELIEVE XXXX TOTAL I LOOKED OVER MY REPORT AND SAW A HOST OF UNAUTHORIZED CONSUMER ACCOUNTS

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