vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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:
The credit reporting agency has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable investigation of disputed information in my credit report, leaving unresolved inaccurate or unverifiable accounts. Despite my prior dispute, the last investigation came back as verified, even though the information in question is not accurate or verifiable according to the stated laws.

Under Texas Finance Code 392.001, debt collection agencies must be licensed and bonded with the Texas Secretary of State to legally operate within the state. A search of the Texas Secretary of States licensed debt collectors database revealed that XXXX XXXX XXXX XXXX is not registered as a licensed debt collector in Texas. This indicates that the company is not authorized to engage in debt collection activities within the state. 

Further, under Texas Finance Code 392.301, a debt collector can not engage in any form of collection or attempt to collect a debt if they are not properly licensed under state law. Therefore, their actions are in violation of Texas law. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any false or misleading representations made by an unlicensed debt collector about their legal authority to collect a debt are prohibited. 

I request that this information be deleted from my credit report immediately, as it represents a violation of both state and federal law. This is the second time Ive filed a complaint regarding this matter and expect a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, \nI am contacting you to report a fraudulent XXXX transfer and request a refund. I believe I was a victim of fraud.\n\nMy Fifth Third Bank ending in XXXXMy Fifth Third Bank Mastercard Debit ending in XXXXn in the amount of XXXX XXXXnin the amount of XXXX XXXXnin the amount of XXXX XXXXnin the amount of XXXXXXXX the amount of XXXX  would like to request a full refund for these amount of money. \n\nThis company will not help, and closed all my accounts already. They mistakenly , my bank information got compromised and i lost money. This bank will not assist at all. \n\nThank you.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$2800.00} XXXX XXXX XXXX  BALANCED {$5400.00} XXXX XXXX BALANCED {$2100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$210.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Identity Theft Report and Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 Dear CFPB, I am writing to formally dispute fraudulent information on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that this information be blocked immediately. 
I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number:XXXX  ) to support my identity theft claim. Under federal law, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
This letter is to notify you that I have become a victim of identity theft. I have filed a complaint with the Federal Trade Commission, and the supporting documentation is attached. There are fraudulent accounts and inquiries on my credit report that do not belong to me. 
All required documentation has been included in this packet and sent to your agency via Certified Mail. In addition, I demand that the following fraudulent accounts and inquiries be deleted immediately from my credit file. 
Fraudulent Accounts to Be Removed : XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to Be Removed : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX OF XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Please confirm the removal of these items in writing once the necessary actions have been completed. I expect this matter to be resolved promptly, in accordance with my rights under 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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am writing to file a follow-up complaint regarding the unjust and unexplained closure of my PayPal Mastercard by Synchrony Bank XXXX Despite my previous outreach and detailed explanation of the adverse impact this action has had on my credit profile, Synchrony has once again issued what they call a respectful denial in response to my request for reinstatement or a return to my original credit limit. 

Let me be clearthere is nothing respectful about the continued refusal to meaningfully address a situation entirely of their own making. This pattern of abrupt account closures, lack of transparency, and dismissive responses has not only harmed my creditworthiness, but it appears indicative of a broader, potentially systemic issue affecting other consumers as well. 

Synchrony Banks actions are not only financially damaging, they may also constitute a violation of fair lending practices and good faith customer engagement. I am left with little recourse except to now begin exploring all available legal avenues, up to and including class action litigation, should this matter remain unresolved. 
I urge the CFPB to investigate Synchronys ongoing practices involving arbitrary credit line reductions and account closures, and to hold them accountable for the harm inflicted on responsible customers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX * * * * As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : XXXX Account XXXX : {$430.00} Date Opened:1XX/XX/XXXX XXXX. ) Account Name : XXXX Account Balance : {$320.00} Date Opened:XX/XX/XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Balance : {$370.00} Date Opened:XX/XX/XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Balance : XXXX Date Opened:XX/XX/XXXX INCORRECT ADDRESSES LISTED : 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 INCORRECT NAMES LISTED XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AZ

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an issue where I have paid the balance of a credit card an the amount still lingers on my credit report I would like all of my information to become updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2025-04-23 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : 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 2025-04-23 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS 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 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  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I discovered that my identity had been stolen and used fraudulently. Several unauthorized accounts and credit card transactions were made in my name without my knowledge or consent. I immediately filed a police report with the XXXX XXXX  department on XX/XX/year>, which confirms the identity theft and fraudulent activity. I am attaching a copy of this report as supporting documentation. 

Since discovering the fraud, I have taken the following steps : Contacted the credit bureaus ( Equifax, Experian, and TransUnion ) to place a fraud alert and request a credit freeze. 
Disputed unauthorized accounts and transactions that do not belong to me. 
Filed a report with the Federal Trade Commission ( FTC ) through IdentityTheft.gov. 
Contacted the companies where the fraudulent accounts were opened or used, and provided them with the police report and FTC Identity Theft Report. 
I am requesting that all fraudulent accounts, inquiries, and negative items related to this identity theft be removed from my credit report. I am also requesting that my credit be restored to reflect only accounts and information legitimately associated with me. 

Thank you for your assistance in resolving 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