vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses.

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay.

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I previously submitted a complaint regarding a {$1600.00} charge to XXXX XXXX XXXX through Care Credit. While the company documented the amount I was refunded, they failed to recognize that my dispute was for the full amount. I was only partially refunded, and the difference was never credited back to me. 
I followed instructions from Synchrony and provided the full amount of the original transaction to initiate the dispute. However, they did not deduct any of the partial refunds I received from XXXX XXXX XXXX to determine the remaining balance Im owed. They also failed to follow up with any questions to clarify the amount. 
I do not have a credit balance with Synchrony, which confirms that I was not refunded anything beyond what XXXX XXXX XXXX provided. My treatment was never completed, and I did not receive the remainder of my money back. I am still owed the unrefunded portion of the original {$1600.00} charge. 
The two refunds I received were for terrible customer service over the phone and via email -- and ill fitting retainers. I would like Synchrony to actually research and credit me the difference of any funds I paid and was not refunded by 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 2025-10-14 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: NC

Complaint narrative:
Re : Formal Notice of Direct Dispute and Intent to XXXX Dear Experian Compliance Department, This letter serves as a formal FCRA dispute and demand for independent reinvestigation of all items listed below. Pursuant to FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) ), you are legally obligated to ensure the maximum possible accuracy of all information you publish. 
XX/XX/XXXXXXXX Reporting Charge Off while simultaneously showing Closed at consumers request. These are conflicting statuses that breach Metro 2 Fields XXXX ( Account Status ), XXXX ( Current Balance ), XXXX ( Date of Account Information ), and XXXX ( Payment Rating ). 
Disputed : All late months in XXXX and XXXX. 
Demand : Provide the full ledger and statements showing exact due date, receipt, and posting for each alleged late payment. Metro 2 codes are not proof of liability. If not independently verified as required by XXXXXX/XX/XXXXXXXX XXXX ), delete this tradeline in its entirety. 
XXXX. XXXXXX/XX/XXXXXXXX Reported as Charge Off but missing payment history, with inconsistent data showing both 0 months reviewed and 44 months reviewed. This violates XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX. 
Disputed : All months marked late or charged off in XXXX and XXXX. 
Demand : Provide independent verification supported by account ledger and payment proof. 
Delete if unverifiable. 
3. INQUIRIESXX/XX/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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: SC

Complaint narrative:
On XXXX From XXXX XXXX : Lawsuits are preventing the U.S. Department of Education from implementing its one-time student loan debt relief program ; we are holding your approved application This email provides you with an update on the one-time Student Loan Debt Relief plan that President Biden and I announced XXXX XX/XX/XXXX. 

We reviewed your application and determined that you are eligible for loan relief under the Plan. We have sent this approval on to your loan servicer. You do not need to take any further action. 

Unfortunately, a number of lawsuits have been filed challenging the program, which have blocked our ability to discharge your debt at present. We believe strongly that the lawsuits are meritless, and the Department of Justice has appealed on our behalf. Your application is complete and approved, and we will discharge your approved debt if and when we prevail in court. We will update you when there are new developments. 

The Biden-Harris Administration is committed to helping borrowers as they recover from the pandemic. 

Education is a great equalizer, and we will never stop fighting for you! 


In Service, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXXXX/XX/XXXXXXXX I received was approved for the forgiveness and they never removed balance. They have illegally transferred the amounts and Also continued to add interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are unauthorized and are not mine. I would like these accounts and inquiries removed from my credit report immediately.

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 2025-10-14 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: GA

Complaint narrative:
These accounts and inquiries are unauthorized and are not mine. I would like these accounts and inquiries removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA INT is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA INT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding a disputed transaction on my CareCredit account that was unfairly denied, even after I submitted an appeal. 

I paidXX/XX/XXXX$1500.00} on XXXXXX/XX/XXXX for a XX/XX/XXXXXX/XX/XXXXand related services. The provider delayed notifying me that theXX/XX/XXXX was ready for pickup, and by the time I was contacted, I no longer wanted the product due to the delay and loss of confidence in their services. I was not notified until after I submitted my dispute which was months later. I also discovered that I was charged significantly more than other facilities for the same type of XX/XX/XXXX 

I requested a refund directly from the provider, but they refused. I then disputed the charge through CareCredit/Synchrony Bank , providing documentation of the delay, lack of service delivery, and refund denial. My dispute and subsequent appeal were both denied without sufficient explanation or acknowledgment of the service not being rendered in a reasonable timeframe. 

I should not be held responsible for payment of goods or services that were never received. I am requesting that Synchrony Bank review this matter again and issue a reversal or refund for the disputed charge.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am writing to formally dispute inaccurate and unverified information that Experian is reporting on my consumer credit file. 

This account is being reported without proper verification and i have tried my best to get XXXX to verify this and valid and they fail to do so properly. Please help

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 2025-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 non-monetary relief
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: PA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, I received a letter from Barclays stating that my credit card application had been denied. This was very concerning because I did not submit any application for a credit card with Barclays. I contacted Barclays customer service to request details about this fraudulent application, but was told they had no record of any such application. 
I then asked to be transferred to their fraud and security division, but the response was the sameno record of the application exists. I provided them the request ID XXXX, the only reference number included in the letter, yet they were still unable to locate any information related to the application.

Barclays referred me to JetBlue regarding this matter, but I was unable to reach JetBlue 's credit card services by any phone number other than Barclays. Consequently, I was referred back to Barclays without further assistance.

I urgently need detailed information about this fraudulent credit card application in order to file a police report. It is puzzling and unacceptable that Barclays sent me an official letter with a reference number, then claims to have no knowledge of the application. I request an investigation and clear communication on how this occurred and what actions will be taken to resolve it.

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 2025-10-14 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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