vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There was a walmart credit card opened under my name. I saw the credit report on XX/XX/year>, I then contacted the FTC. I then put out a credit dispute with experian and put out a credit alert. I then contacted the bank : Synchrony, and had them close the account and investigate for 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 2025-09-11 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: TX

Complaint narrative:
Despite my previous attempts, the inaccurate accounts remain on my credit reports and have not been taken off. I desperately request that the attached documents be examined thoroughly so I can finally be free from this ongoing anxiety.

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 2025-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXXXXXX -Balance {$240.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Balance {$870.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Balance {$800.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX pull my credit without my 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 2025-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX was fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I see that unauthorized inquiries are still appearing on my credit report today, and I have no idea why. Refreshing my browser did not remove them. I urgently request that the documents I submitted be reviewed carefully so I no longer have to worry about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 just saw that the inaccurate late payments are still on my credit report today, and Im at a loss as to why. Refreshing my browser didnt fix it, and this is extremely frustrating. I need the documents Ive provided to be reviewed thoroughly so this never happens again.

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 2025-09-11 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: TX

Complaint narrative:
I just saw that the inaccurate late payments are still on my credit report today, and Im at a loss as to why. Refreshing my browser didnt fix it, and this is extremely frustrating. I need the documents Ive provided to be reviewed thoroughly so this never happens again.

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 2025-09-11 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: NJ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AR

Complaint narrative:
I am filing a complaint regarding how a XXXX XXXX  XXXX account is being reported across the credit bureaus. The reporting is inconsistent and inaccurate. Details such as balances, credit limits, and payment history do not match between the bureaus, and some of the information can not be verified. 

The account is showing derogatory history even though it is paid/closed. When the same account is reported differently across bureaus, it creates a false impression that I mishandled my credit. This misrepresentation is unfairly damaging my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies and furnishers to ensure maximum possible accuracy. Continuing to report inconsistent or unverifiable information fails to meet that standard.

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 2025-09-11 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-11 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: LA

Complaint narrative:
This is a New Evidence Follow-Up complaint regarding Equifax. The new evidence is that the statutory XXXX block deadline under 605B expired on XX/XX/year>, yet fraudulent tradelines remain on my Equifax report XXXX Equifax has failed to comply with federal law and its own published policies. 

On XX/XX/year>, I submitted a complete FCRA 605B Identity Theft Block request to Equifax. My package included : FTC Identity Theft Report # XXXX ( filed XX/XX/year> ) Proof of identity ( government-issued ID ) Proof of current address ( utility bill ) A signed affidavit of non-ownership A list of fraudulent tradelines to be blocked Under 15 U.S.C. 1681c-2 ( 605B ), Equifax was required to block these fraudulent tradelines within XXXX ( XXXX ) business days. The statutory deadline expired on XX/XX/year>, yet the accounts remain on my Equifax file. Equifax has not issued a lawful 605B ( c ) exception notice and has failed to comply with the clear XXXX federal mandate. 

Equifax has also failed to comply with 611. I specifically requested a Method of Verification under 611 ( a ) ( 7 ), requiring Equifax to identify the furnisher, provide their contact information, and supply documentation relied upon. No such information has been provided. Under 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted, yet the fraudulent tradelines remain. 

The fraudulent tradelines at issue include but are not limited to : XXXX XXXX XXXX XXXX XXXX contradictory balances across bureaus ( {$570.00} charge-off on Equifax vs. {$440.00} past due elsewhere ), time-barred under Louisiana law, and unverifiable. 

XXXX XXXX XXXX  reporting as a charge-off for more than XXXX years, still unverifiable and inaccurate. 

Federal law is unambiguous. The CFPB states : Within XXXX business days after receiving your request, the credit reporting company must block that information from your credit report. Equifax has ignored this requirement. 

Equifaxs own published policy further states : Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. Equifax has failed to comply with both its own stated XXXX commitment and the expedited XXXX block rule under 605B. 

Consumer Harm : Because of Equifaxs violations, I have been denied housing opportunities, forced to pay higher borrowing costs due to artificially lowered credit scores, and deprived of fair access to credit. These harms are ongoing and increase Equifaxs liability under FCRA XXXX for willful violations. 

Relief Requested : Immediately block and delete all fraudulent tradelines identified in FTC Report # XXXX. 

Provide written confirmation of deletion from Equifax and all downstream CRAs. 

Cease unlawful reporting and deceptive stall tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are accounts being reported on my Equifax credit report that I do not recognize or recall opening. I sent Equifax factual disputes several times asking for proper verification of these accounts, yet they remain on my report without any supporting documentation. Equifax has failed to reasonably investigate or correct the inaccuracies, which is a violation of the Fair Credit Reporting Act. These errors are negatively affecting my creditworthiness and causing ongoing damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi, I noticed I've been a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. 

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX  account number : XXXX * please remove the following inaccurate names from credit report * XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * please remove the following addresses from credit report * XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX. OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH * please remove the following hard inquires from credit report XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the accuracy and completeness of a collection account that appears on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request a reasonable reinvestigation of this information. This account is either inaccurate, incomplete, or unverifiable, and should be removed if the data furnisher is unable to provide full verification. 
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX Account Number : XXXX Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a XXXX party debt buyer. 
This account is not mine, Please remove from my account immediately. 
This account was reported to the credit bureaus without my prior knowledge or consent, and I never received any communication or documentation regarding this alleged debt from the collector. As such, I question its accuracy, origin, and legitimacy.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
There was an unauthorized transaction on XX/XX/year>. I let someone use my phone and when it locked on them they asked me for the pin to unlock it to call someone for a ride, to which I provided it. I do not know this person that was sent the money, I did not know about this transaction until I got an " insufficient funds '' message while trying to pay my monthly rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
Im writing to request the of inaccurate personal information on my credit report in accordance with 15 U.S.Code 1681e ( b ) - Compliance procedures to assure maximum possible accurancy of the information. I reviewed my credit report and wish to ensure that all the information is XXXX XXXX correct and accurate. 

The details that required correction are as follows : My name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct social security number : XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX FL 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