vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: GA

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. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  - XXXX List of Unauthorized Inquiries : XXXX  - XXXX 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 may 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I made a settlement agreement with XXXX XXXX. Settlement amount was {$610.00} to be paid in XXXX installments of {$51.00}. This was set up as autopay to my XXXX XXXX  account. First payment was made on XX/XX/year>. Then I received a letter from Portfolio Recovery Associates , LLC on behalf of XXXX XXXX for the amount of {$2400.00}. I called both companies to get this dispute settled but there was no resolution even though I submitted proof of the settlement and my bank statement to show payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
THIS IS NOT MY ACCOUNT AND I DID NOT OPEN THIS ACCOUNT EITHER IN PERSON OR ONLINE. I NEVER SIGNED OR AUTHORIZE THE OPENING OF THIS ACCOUNT, USE OF THIS ACCOUNT OR ANYTHING. I DID NOT KNOW THAT THE ACCOUNT EXISTED UNTIL IT APPEARED ON MY ACCOUNT. I HAVE DISPUTED IT ON MULTIPLE OCCASIONS. I FILED A POLICE REPORT TODAY TO GET ASSISTANCE WITH THIS CRIME. POLICE REPORT # XXXX. THE OFFICIAL REPORT WILL BE AVAILABLE IN XXXX BUSINESS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-11 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 XXXX 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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this formal complaint against Synchrony Bank ( hereafter Synchrony ) for : - Illegally continuing to collect payments on credit card accounts that have been securitized and sold into a trust ; - Repeatedly refusing to validate the debt as required under federal law ; - Continuing to report derogatory, inaccurate information to credit bureaus ; - Failing to provide legally mandated documentation concerning the transfer and securitization of my accounts ; - Causing significant damage to my credit score and financial reputation. 
Accounts in Question - Account ending in XXXX - Account ending in XXXX - Account ending in XXXX Chronology of Correspondence XX/XX/XXXX : Sent first certified letter demanding validation under the Truth in Lending Act ( TILA ) and a cease in adverse credit reporting under the Fair Credit Reporting Act ( FCRA ). 
XX/XX/XXXX : Sent second certified letter requesting full securitization and tax-related documents under TILA, the Securities Exchange Act of 1934, the Dodd-Frank Act, and the Internal Revenue Code. 
XX/XX/XXXX : Sent third certified notice explaining that Synchrony Bank has no legal authority to collect on the account post-transfer into the Synchrony Card Issuance Trust, per the official SEC-filed Prospectus. 
XX/XX/XXXX : Sent fourth and final letter reiterating Synchronys lack of legal authority and citing state and federal laws they are violating. I demanded a written response within 10 days. No such response has been received. 
Violations of Law 1. FDCPA 15 U.S.C. 1692g : No validation of debt was provided despite multiple written requests. 
2. FCRA 15 U.S.C. 1681s-2 : XXXX continues to furnish negative credit information while the debt is in dispute.

3. TILA 15 U.S.C. 1601 et seq. : Failure to disclose full terms, securitization, and ownership changes. 
4. Securities Exchange Act 15 U.S.C. 78m : Failure to disclose sale of receivables and continued misrepresentation of ownership.

5. Internal Revenue Code 26 U.S. Code 7201 : Possible tax evasion through collection on non-owned receivables.

6. Florida Statutes 559.72 ( 9 ) : Attempting to collect on known illegitimate debt.

7. Florida Statutes 817.41 : Misleading representations about ownership and servicing. 
Key Evidence - Prospectus Dated XX/XX/XXXX ( SEC Form 424B2 Synchrony Card Issuance Trust ) proving the receivables were sold. 
- Copies of all four certified letters.

- Green return receipts.

- Recent credit reports with late payment notations post-dispute.

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 2025-04-11 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: FL

Complaint narrative:
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 an account without my written instructions. 

15 u.s.c 1681i ( 5 ) -removal of inaccurate/invalidated. Credit information 15 usc 1681e ( b ) ( b ) -accuracy of report 15 usc 1692a- abusive practices 15 usc 1681b- permissible purposes of consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
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 an account without my written instructions. 

15 u.s.c 1681i ( 5 ) -removal of inaccurate/invalidated. Credit information 15 usc 1681e ( b ) ( b ) -accuracy of report 15 usc 1692a- abusive practices 15 usc 1681b- permissible purposes of consumer reports.

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 2025-04-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I submitted a formal dispute letter to TransUnion by certified mail regarding false and unverifiable late payments reported on my credit file. Despite this, TransUnion continues to report these late payments without any proper documentation or investigation. The affected accounts are : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Closed Account ) TransUnion has failed to validate these negative entries or provide documentation from the furnishers. This is a clear violation of the Fair Credit Reporting Act, including : XXXX XXXXXXXX XXXX XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX XXXX XXXXXXXX ( b ) Failure to ensure maximum possible accuracy XXXX XXXX XXXX XXXXXXXX ( a ) ( XXXX ) Failure to delete unverifiable information I am requesting the permanent deletion of all late payment entries associated with the above accounts. Supporting documents including the dispute letter, XXXX receipt, ID, and proof of address are included with this complaint.

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 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
The account was opened on XX/XX/XXXX and closed 0n XX/XX/XXXX from XXXX Credit fresh with a balance of {$3000.00} then sent to collection 's

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 may 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 whi
ch antedates the report by more than seven 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 2025-04-11 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: NC

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 605B 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 non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 non-monetary relief
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I request a full verification of these reported late payments, including any supporting documentation that proves their accuracy. If verification can not be provided, I demand that these late payments be removed or corrected immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please complete this investigation promptly and provide me with an updated report reflecting the correct payment history. I appreciate your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-11 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Notification and Dispute of Fraudulent Account To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to dispute the validity of a XXXXXXXX XXXX XXXX account that may have been referred to your agency for collection. 

On XX/XX/XXXX, I was alerted by XXXX XXXX to an unauthorized credit card account opened in my name. I did not make any of the charges associated with this account was fraudulently opened using my personal information, including my name, Social Security number, and date of birth.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ], I am requesting the following : 1. That you cease all collection activity on this account immediately. 
XXXX. That you remove any record of this fraudulent debt from your files and cease reporting it to any credit bureaus. 
XXXX. That you provide written confirmation that this matter has been resolved and that I am not responsible for this debt. 

I have enclosed the following documentation to support my claim : Police report filed with the XXXX XXXXXXXX XXXX XXXX ( Report # : XXXX ) FTC Identity Theft Report ( Ref # : XXXX XXXX XXXX XXXX alert screenshot Correspondence from XXXX XXXX Cards fraud department Please be advised that continuing to attempt collection on a debt that is the result of identity theft may constitute a violation of federal law. You are legally required to investigate and respond to my dispute within 30 days of receiving this notice. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation