vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Summary : I applied for a store credit card at the XXXX XXXX store and followed up with the bank the next day. However, they repeatedly pulled my credit without my consent during follow-up and refused to acknowledge or correct the repeated pulls. 

Details : On XX/XX/XXXX around XXXX XXXX  I applied for a Synchrony Bank credit card at the XXXX XXXX store. During the process, the bank initially pulled my credit but did not complete the application. They instructed me to call a number for further steps. According to my XXXX  report, the first credit pull was done at that time which is understandable and acceptable to me. 

On XX/XX/XXXX, I followed up with the bank to know the status of the application and informed them that my credit had already been pulled. During the call, I was transferred between XXXX different customer service representatives. Based on the timing of credit pull on XXXX XXXX on my TransUnion report, the first XXXX reps pulled my credit again without my consent. When I questioned them, they stated they needed my Social Security number to proceed but didnt clarify that this would result in another credit inquiry. It appeared that they didnt fully understand the impact of what they were doing. 

I want the Bank to acknowledge and correct the mistake by cancelling the credit pull on XXXX XXXX. It should show only XXXX credit pull by Synchrony bank.

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 2025-07-08 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ssn XXXX Date : XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Subject : Fraudulent Accounts Opened Without My Permission To Whom It May Concern, I am writing to formally report that fraudulent bank accounts have been opened using my personal information without my knowledge or consent. I did not authorize any person or entity to open these accounts in my name, and I believe I am a victim of identity theft. 

Please investigate this matter immediately and remove any and all information related to these unauthorized accounts from your systems. I request that you flag my file for potential identity theft and block any further activity until this situation is resolved. 

Enclosed with this letter are copies of the following for your review : My government-issued photo ID A utility bill or proof of address A police report or identity theft affidavit In accordance with the Fair Credit Reporting Act ( FCRA ), I also request a free copy of my consumer file maintained by Early Warning Services XXXX 

Please confirm in writing that this matter is being addressed and that the fraudulent activity has been removed from my file. You may contact me by mail or at the phone number listed above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
I am disputing several accounts currently listed on my credit report because I believe some of the information is inaccurate, outdated, or unverifiable. I am submitting this dispute under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

For example : XXXX XXXX XXXX XXXX XXXXXXXX is reporting a collection account opened on XX/XX/XXXX for {$5600.00}. I do not recognize this debt and have not received proper validation from the agency or original creditor. 
XXXX XXXX XXXX is listing a balance of {$7500.00} as past due as of XX/XX/XXXX, but I was never notified of this debt, and I have not received a breakdown or supporting documents. 
XXXX  XXXX XXXX XXXX charged off an account ( opened XX/XX/XXXX ) with {$950.00} still reported as past due. I would like confirmation this is not being reported incorrectly or duplicated, as I previously had XXXX other loans with them that were paid in full and closed in good standing. 
XXXX XXXX is reporting my auto loan as past due in the amount of {$1400.00} as of XX/XX/XXXX, but I was actively making payments. I have contacted their customer service regarding this discrepancy and was told an internal review would be conducted, but I have not received an update. 

I have also had accounts that were included in my XXXX  XXXX bankruptcy ( filed XX/XX/XXXX, discharged XX/XX/XXXX ) and are still appearing with active balances. Additionally, my XXXX  XXXX case ( filed XX/XX/XXXX, dismissed XX/XX/XXXX ) may still be showing inaccurately. 

I request that these items be investigated, validated, and updated or removed as necessary. Supporting documents can be provided if needed. Thank you for your attention to this matter.

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 2025-07-08 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: MI

Complaint narrative:
I am disputing several accounts currently listed on my credit report because I believe some of the information is inaccurate, outdated, or unverifiable. I am submitting this dispute under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

For example : XXXX XXXX XXXX XXXX XXXXXXXX is reporting a collection account opened on XX/XX/XXXX for {$5600.00}. I do not recognize this debt and have not received proper validation from the agency or original creditor. 
XXXX XXXX XXXX is listing a balance of {$7500.00} as past due as of XX/XX/XXXX, but I was never notified of this debt, and I have not received a breakdown or supporting documents. 
XXXX  XXXX XXXX XXXX charged off an account ( opened XX/XX/XXXX ) with {$950.00} still reported as past due. I would like confirmation this is not being reported incorrectly or duplicated, as I previously had XXXX other loans with them that were paid in full and closed in good standing. 
XXXX XXXX is reporting my auto loan as past due in the amount of {$1400.00} as of XX/XX/XXXX, but I was actively making payments. I have contacted their customer service regarding this discrepancy and was told an internal review would be conducted, but I have not received an update. 

I have also had accounts that were included in my XXXX  XXXX bankruptcy ( filed XX/XX/XXXX, discharged XX/XX/XXXX ) and are still appearing with active balances. Additionally, my XXXX  XXXX case ( filed XX/XX/XXXX, dismissed XX/XX/XXXX ) may still be showing inaccurately. 

I request that these items be investigated, validated, and updated or removed as necessary. Supporting documents can be provided if needed. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: CA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: AL

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXXT - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concord Servicing Corporation
State: LA

Complaint narrative:
This account was opened by someone else using my personal information at someone's living address. I never lived at this address the accounts were open. 

I also request verification of the alleged debt, specifically a copy of the original purchasing an agreement.This must be with the original creditor and signed by all parties involved. I am also requesting this because different companies are reaching out to me about the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
I want to make it absolutely clear that this complaint is legitimate and not submitted in error. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These reporting errors are having a significant and ongoing negative impact on both my financial stability and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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 non-monetary relief
Consumer complaint received 2025-07-08 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: CARCO Group, Inc.
State: NC

Complaint narrative:
Violating my identity not validating account in reference to signature or a 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-08 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: NJ

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MI

Complaint narrative:
In XX/XX/year>, I placed an order with XXXX for their clear aligner productspecifically the nighttime-only version, which was clearly indicated at the time of purchase. I financed the purchase through their XXXX installment program, which was administered by XXXX XXXX XXXX ( XXXX ). The total contract amount was {$2400.00}, with {$1800.00} financed at an interest rate of 18.68 %. I paid the required down payment and signed all documentation to initiate the order. 

However, XXXX sent me the wrong productthe full-day aligners instead of the nighttime-only version I ordered. I immediately contacted the company to inform them of the issue and was told a replacement would be sent. Before this correction was ever made, XXXX filed for bankruptcy, and all customer service communication was effectively shut down. As a result, I was never sent the correct aligners and was not provided any return option for the incorrect ones. 

Given that I never received the product I paid for, I did not proceed with monthly payments. Despite the failed fulfillment on XXXX part, XXXX and its affiliated parties continued to process the account as active. The alleged debt has since been transferred to a third-party collector, TekCollect, who is now attempting to collect over {$2000.00} from me for a product I never received as ordered. 

I dispute this debt entirely and have attempted to resolve the matter directly with TekCollect and XXXX XXXX XXXX, but both continue to pursue collection without acknowledging that XXXX failed to deliver the correct product and failed to provide a remedy before ceasing operations. 

This situation has caused undue stress and may impact my credit despite clear evidence that XXXX breached the terms of sale by never fulfilling my order properly. I am requesting the CFPB assist in ensuring this debt is removed and no further collection activity is attempted for a product that was never delivered as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: OH

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRIES : XXXX XXXX  XXXX : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year>

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 2025-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They place an error over my account and stop add positive point to my account when I made payment back to current.

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