vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have submitted 2 letters to Sam 's credit card company. First letter being XX/XX/25. Second on XX/XX/25. They responded to the first letter advising that they have reported to all bureaus accurately. This is incorrect information. 1 they have my last name WRONG! 2 date of last activity doesn't match on the bureaus. 3 XXXX  HAS NO REPORTING!! XXXX has no payment history reported at all. While XXXX  has totally different 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 2025-07-10 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: CA

Complaint narrative:
This is a formal dispute concerning fraudulent credit information that appears on my report. I did not initiate the accounts listed, nor did I give consent for them to be opened in my name.

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 2025-07-10 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: CT

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : DEPT OF EDUCATIONXXXX XXXX Balance : {$1300.00} late 90 days XXXX XXXX, 120 days late XXXXXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$1300.00} late 90 days XXXX XXXX, 120 days late XXXX 2025 DEPT OF EDUCATIONXXXX XXXX Balance : {$1300.00} late 90 days XXXX XXXX, 120 days late XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : DEPT OF EDUCATIONXXXX XXXX Balance : {$1300.00} late 90 days XXXX XXXX, 120 days late XXXXXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$1300.00} late 90 days XXXX XXXX, 120 days late XXXX 2025 DEPT OF EDUCATIONXXXX XXXX Balance : {$1300.00} late 90 days XXXX XXXX, 120 days late XXXX 2025

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Disputed Account : - Consumer Adjustment - Account Number : XXXX Description of the Issue : I am submitting this formal complaint regarding the above-listed credit account, which does not belong to me. 
I have made multiple efforts to resolve this matter : 1. I sent dispute letters to all three major credit bureaus ( XXXX, XXXX, and XXXX  ) stating that this account is not mine. 
2. I contacted Consumer Adjustment directly requesting verification and the immediate removal of this inaccurate account. 
To date, I have not received any response from the company, and the inaccurate information remains on my credit reports. 
This is negatively impacting my credit score and causing unjust financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint regarding the reinsertion of fraudulent accounts into my credit report without proper notice or compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). These accounts were previously disputed and deleted, yet they have reappeared, violating my rights as a consumer and causing substantial harm to my credit.

Under FCRA 611, if a deleted item is reinserted, the credit reporting agency must : Notify the consumer in writing within 5 business days, and Provide the name, address, and phone number of the furnisher responsible for the reinsertion. 

I did not receive any notice or verification regarding the reappearance of these 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 XXXXXX/XX/XXXX These accounts are documented in my FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX and were never authorized by me. 



Fair Resolution Requested : 1. Immediate and permanent deletion of both fraudulent accounts from all three credit bureaus ( Experian, Equifax, TransUnion ).

2. Written confirmation from the credit bureaus that the accounts have been removed and will not be reinserted unless full compliance with FCRA 611 is met.

3. Blocking of identity theftrelated information as required by FCRA XXXX, since a valid FTC Identity Theft Report was submitted. 
XXXX. Investigation of XXXX XXXX and XXXX XXXX XXXX for possible violation of FCRA XXXX ( a ) ( XXXX ) by furnishing data known to be false or previously disputed. 
XXXX. Correction of all false personal and address information connected to the fraud ( e.g., the identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
XXXX. Enforcement oversight by the CFPB to hold the responsible parties accountable and prevent further violations. 



I respectfully request that the CFPB investigate and take appropriate corrective and enforcement action. Enclosed is my FTC Identity Theft Report supporting the legitimacy of this complaint. 

Sincerely, 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 2025-07-10 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:
I've Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been determined to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I've Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been determined to my life and credit health.

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 2025-07-10 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-10 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned 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 2025-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for serious violations of Florida landlord-tenant law and unethical conduct that has resulted in professional and financial harm. I vacated the property on XX/XX/XXXX, and under Florida Statute 83.49 ( XXXX ) ( a ), XXXX XXXX was legally required to provide a written notice of any claims against my security deposit within 30 days via certified mail. They failed to do so. According to Florida law, this failure forfeits any right to withhold or impose charges on the deposit. Additionally, I submitted a {$500.00} professional cleaning receipt through the designated move-out application and directly to the property manager, who acknowledged receipt. On XX/XX/XXXX I confirmed with the property manager that he received the receipt and the credit was applied and it never was. This cleaning was never credited, and I was improperly charged without any itemized justification. Despite multiple good-faith efforts to resolve the issue, XXXX XXXX has failed to respond or act on my submitted documentation. This ongoing pattern of negligence and potential malfeasance has escalated further : XXXX XXXX has now reported these false charges to credit reporting agencies. Further, I was charged {$1400.00} for painting, which is also a violation of Florida landlord-tenant law. Florida law clearly states that landlords can not legally charge for normal wear and tear, such as, Minor scuffs, Faded paint, Small nail holes. The {$1400.00} paint charge is unreasonable and unlawful as there was no excessive damage, no pet-related issues, and no unauthorized alterations to the property. I was not provided any proof justifying this excessive charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my TransUnion credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data.

It has come to my attention that Transunion has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B )
( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : 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 non-monetary relief
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am a victim of identity theft. Two accounts were added to my credit file without my authorization or consent. One is an XXXX authorized user account, and the other is a XXXX  XXXX XXXX XXXX joint account. I never applied for, used, or benefited from these accounts. 

I submitted an FTC Identity Theft Report, a notarized affidavit of identity theft, a copy of my ID, and proof of address to the credit bureaus under FCRA 605B, which legally requires the accounts to be blocked within 4 business days. Despite this, the accounts have not been removed. These accounts are harming my credit report and were added without my permission.

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I bought this car on XX/XX/year>. I signed a contract with Santander XXXX, which included a contract to make 71 payments, which I have already made. However, this bank continues sending me statements stating that I owe them an additional {$4000.00}, which is NOT true because I have all my receipts for 71 payments according to the agreement contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am formally disputing the presence of fraudulent data on my credit file. These entries do not belong to me and were created without my knowledge or consent.

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