vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am writing to formally request the blocking of fraudulent hard inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX XXXX Code XXXX ), which requires Equifax to XXXX such information upon proper notice and documentation. 
The following fraudulent XXXX  inquiries were opened without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : XXXX. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) XXXX. A copy of my government-issued ID and SSN. 
XXXX. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any XXXX XXXX  or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA XXXX as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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:
To Whom It XXXX Concern, I am writing to dispute the accuracy of the following account reporting on my credit file : XXXX XXXX : XXXX XXXX XXXX I Account Number : XXXX Reported Balance : {$490.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Collection account, {$490.00} past due as of XX/XX/XXXX I am not liable for this alleged debt. I have never entered into a contract with XXXX XXXX XXXX I, nor have they provided me with proof of the original contract, including my wet signature and valid ID verification

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 2025-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me and need to be removed, Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN

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 2025-08-17 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
CFPB Complaint Narrative PayPal Credit ( Synchrony Bank ) I am a victim of identity theft. The account listed below was fraudulently opened in my name without my knowledge or authorization : - SYNCB/XXXX  XXXX I have provided supporting documentation including my FTC Identity Theft Report, government-issued ID, proof of address, and a written statement. Under FCRA 605B, I am requesting that Synchrony Bank ( PayPal Credit ) block, close, and remove this fraudulent account from all credit reporting within 4 business days. Failure to act promptly will require further escalation. 
I request the CFPB ensure compliance and provide oversight in 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Issue : Malicious credit line cut, retaliation, vague reasons Details : On XX/XX/year>, Synchrony Bank reduced my Amazon XXXX XXXX limit from {$1500.00} to {$100.00}. This was not a routine adjustment ; it was a punitive and malicious act that damaged my credit profile. 

The timing makes it even more concerning : just XXXX day earlier, Synchrony wrote to me ( without any push from me ) offering to reconsider my CareCredit dispute if I provided additional information. I did not even request that outreach. Yet within XXXX hours, they turned around and issued this hammer of a limit cut. That sequence of events strongly suggests retaliation for exercising my rights. 

The adverse action notice was vague and meaningless. It cited : Lack of XXXX XXXX Secured Loan Information apparently punishing me for not having a mortgage. 

Average Time Since Accounts Opened Is Too Recent despite my established history. 

Not Enough Balance Paid Down Over Time On Retail Accounts which is false, since I pay consistently. 

These are generic scoring codes, not specific explanations as required under ECOA/Reg B.

Synchronys behavior shows a pattern : when you pay and comply, they are valued partners. But when you dispute, question, or stand up for your rights, they retaliate with malicious credit actions to intimidate you. 

Synchrony happily markets credit when things are going well, but when you disagree or dispute, they turn vicious. My limit was cut from {$1500.00} to {$100.00} the day after they offered to reconsider my dispute. Their reasons are boilerplate nonsense and not tailored to reality. Be cautious before accepting their offers because when conflict arises, they act in bad faith.

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 2025-08-17 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: MI

Complaint narrative:
CFPB Complaint Narrative American Express Fraudulent Accounts I am a victim of identity theft. Fraudulent accounts were opened with American Express in my name without my knowledge or authorization. These accounts include : - American Express XXXX - American Express XXXX Opened up first in XX/XX/year> I never applied for or consented to these accounts. As soon as I discovered them, I filed an FTC Identity Theft Report and a police report to document the fraud. I also provided American Express with dispute letters, copies of my government-issued ID, and proof of my current address. 
Despite this, these fraudulent accounts remain associated with my credit file and are still being reported to the credit bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all fraudulent information blocked from my credit reports within four business days of submitting proof of identity theft. Additionally, under the Fair Credit Billing Act ( FCBA ), I am not liable for any charges or balances on accounts created or used fraudulently.

I request that the CFPB ensure American Express : 1. Immediately acknowledges these accounts as fraudulent.

2. Ceases all collection efforts related to them.

3. Stops furnishing these accounts to the credit bureaus.

4. Provides me with written confirmation that the accounts have been closed as fraudulent. 
I have attached the following supporting documents : - FTC Identity Theft Report - Police Report - My dispute letters to American Express - Government-issued ID and proof of address This matter has caused significant harm to my credit and financial reputation. I am asking the CFPB to hold American Express accountable for properly investigating and removing these fraudulent accounts from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TN

Complaint narrative:
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I submitted a dispute directly to TransUnion regarding the fraudulent address. Along with my dispute, I provided a police report confirming that the address is fraudulent and not associated with me. Despite this, TransUnion has failed to correct my file and continues to report the false address.

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 2025-08-17 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: TN

Complaint narrative:
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I submitted a dispute directly to TransUnion regarding the fraudulent address. Along with my dispute, I provided a police report confirming that the address is fraudulent and not associated with me. Despite this, TransUnion has failed to correct my file and continues to report the false address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Subject : Dispute of Inaccurate Information on Credit Report Dear Sir or Madam, I am writing to dispute an entry on my credit report from LJ Ross and Associates that appeared in XX/XX/XXXX, indicating that I owe a debt of {$180.00}. 

I want to clarify that I have never entered into a contract with LJ Ross and Associates, and therefore, I do not owe this amount. This entry is inaccurate and negatively impacts my credit score. 

In accordance with the Fair Credit Reporting Act, I request your assistance in investigating this matter and removing this erroneous information from my credit report. 

I appreciate your prompt attention to this issue and look forward to your response. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX

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 2025-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
A demand letter was sent to property management company over XXXX XXXX XXXX  in XXXX XXXX XXXXXXXX to cease and remove this rental debt from my credit report and the collection agency used which is National Credit System. Informing parities this rental debt was a XXXX issue and XXXX was responsible for this payment not myself. The management company over XXXX XXXX XXXX in XXXX XXXX XXXXXXXX was given 10 days to respond to the demand letter sent by failing to respond or comply. National Credit System is using deceptive practices and reporting this inaccurate information to XXXX XXXX XXXXXXXX to block me from obtaining housing claiming I owe {$14000.00} on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I tried calling these credit furnishers XXXX XXXX XXXX XXXX They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the XXXX files for these charged off accounts for tax purposes with the XXXX. I should have received copies since it has been written off by their companies with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-08-17 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Address is incorrect and asked for it to be corrected but it hasnt changed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Address is incorrect and asked for it to be corrected but it hasnt changed

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 2025-08-17 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:
AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) I AM A VICTIM OF IDENTITY THEFT. PLEASE DELETE THE FOLLOWING ACCOUNT. XXXX XXXX ACCOUNT NUMBER : XXXX PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Source Receivables Management LLC
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking of fraudulent information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 c 2. 
I am a victim of identity theft and a victim of the XXXX  XXXX XXXX XXXX, and certain accounts or inquiries appearing on my credit file were made fraudulently and without my authorization. As required under the law, I am providing the necessary documentation to support my claim.

1. A copy of my FTC Identity Theft Report 2. A copy of my government issued photo ID 3. A copy of my Social Security card 4. A copy of an official document showing my name and current address. 
The following accounts/inquiries are fraudulent and should be permanently blocked from my credit file. 
1. Source Receivables Management XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Under 15 USC 1681 c 2, credit reporting agencies are required to block the reporting of information resulting from identity theft within Four ( 4 ) business days of receiving a valid request and supporting documentation. I also remind you that a police report is not required when a valid FTC Identity Theft Report is provided, as clarified by the FCRA. 
Please confirm in writing that these items have been removed from my credit file and that you have taken all appropriate actions as required under federal law.

Failure to comply with this request may constitute a violation of the FCRA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) or pursued through addition legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
I tried calling these credit furnishers XXXX XXXX XXXX XXXX. They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the XXXX files for these charged off accounts for tax purposes with the XXXX. I should have received copies since it has been written off by their companies with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
I attempted to consolidate my private student loans on XX/XX/XXXX. I received a call stating that this would not be possible, as my credit score was in the XXXX. 

I checked XXXX  and my score had dropped XXXX points due to missed payments on my federal student loans serviced by EdFinancial. I checked if I had missed correspondence from them, and they claimed to have sent multiple notices of my loan repayment restarting, none of which I received at the address to which they said they sent it. I immediately paid the outstanding balance and enabled autopay, bringing my account current. 

On XX/XX/XXXX, XX/XX/XXXX, and XXXX I sent XXXX letters and submitted XXXX documents electronically on XXXX and XXXX, requesting that the missed payments be removed from my credit report. I stated that, had I been properly notified of the loans restarting, I would have made payments promptly. I received no response to my attempts to contact them, just as I did not receive any correspondence they've claimed to have attempted with me. 

XXXX  has taken the late payments off and restored my credit score, but even after filing disputes with all three bureaus, I am still well below where I started with XXXX XXXX XXXX 

I am hoping CFPB can investigate this pattern of incomplete communication on EdFinancial 's part and help remedy this situation.

Company response to consumer: Closed with explanation