vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryTransUnion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates TransUnion to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Dispute Letter Letter XX/XX/XXXX Send ID Theft Final Demand Letter XX/XX/XXXX Sent 2nd Round ID Theft Letter XX/XX/XXXX Sent Formal Dispute of Inaccurate Credit Reporting under the FCRA Request for Immediate Investigation and Correction XX/XX/XXXX Sent Formal Complaint Regarding FCRA and CCRAA Noncompliance XX/XX/XXXX Sent Legal Demand for Deletion FCRA Violations and Identity Theft Dispute. These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. TransUnion has ignored these disputes and failed to respond within the statutory 30-day window under XXXX ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. TransUnions continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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 2025-08-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ).. The items are : XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX | Collection/Chargeoff | Closed XX/XX/XXXX | Balance {$260.00} | Status : Derogatory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Collection/Chargeoff | Closed XX/XX/XXXX | Balance {$0.00} | Status : Derogatory XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Closed | Closed XX/XX/XXXX | Orig Balance {$420.00} | Status : Paid ( but derogatory history ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX | Closed | Closed XX/XX/XXXX | Orig Balance {$410.00} | Status : Paid ( but derogatory history ) * * You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. 

Please provide the following within 30 days : 1. Original signed contract or agreement showing I am legally obligated.

2. Full itemized accounting of the debt ( all charges, payments, interest, fees ).

3. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ).

4. Name and address of the original creditor, if different from your agency.

5. Proof of your license/authorization to collect debts in my state.

6. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to XXXX Equifax, and XXXX

If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
hi my name is XXXX XXXX I noticed multiple inaccuracies negatively impacting my score and these accounts do not belong to me. I ask for immediate removal of these accounts!

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 2025-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a Synchrony BankXXXX XXXX account XXXX XX/XX/year>, with a credit limit of {$960.00}. I paid off the account in full. Several months after payoff, a new balance of approximately {$800.00} was added to my account without my knowledge or authorization. No purchase was made by me.

Since then, Synchrony has reported the account as delinquent and charged-off with a balance of {$1200.00}. This is inaccurate and damaging to my credit. I have disputed this charge multiple times with both Synchrony and the credit bureaus. Each time, it temporarily disappears from my credit report, then reappears again as a valid charge. I have never received any documentation or explanation for the {$800.00} charge. 

Synchrony continues to report the account as a charge-off, showing multiple derogatory marks, late payments, and utilization above my credit limit. This is harming my credit score and my ability to obtain financing.

I am requesting that Synchrony provide full validation of this alleged charge, including documentation of the transaction that supposedly created the {$800.00} balance, or otherwise remove the inaccurate reporting from all credit bureaus. 

This debt is not valid, and continuing to report it as a charge-off without proof is a violation of the Fair Credit Reporting Act ( FCRA ). 

I have attached a copy of the original XXXX XXXX XXXX purchase receipt, which shows the only items I purchased and the amounts I paid. The total invoice was {$690.00}, which I paid off in full. There is no record of any {$800.00} additional charge on this receipt or any other documentation

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 2025-08-27 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: NJ

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
Ive been checking my credit report lately a divorce & having to buy a house & car. Its a lot of account thats not mines & I do not know of or where they originated from. I didnt Authorize them or do that

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 2025-08-27 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Issue Summary : CitiBank canceled my legitimate XXXX XXXX purchase without my consent, flagged it as fraud, and refuses to verify my account using reasonable methods. I have already lost money on this trip and risk losing more. 

Timeline & Details : I had planned to attend XXXX XXXX for XXXX XXXX Weekend for a friends birthday. I put {$330.00} down towards the XXXX and provided an additional {$260.00} towards excursions from my personal account. 

On XX/XX/XXXXXXXX  I made an XXXX XXXX purchase for {$850.00} using a new Citi XXXX  card, which advertised a {$200.00} credit and XXXX points by XX/XX/XXXX. Citi gave me a temporary card expiring XX/XX/XXXX and I added it to my mobile app. I had the permanent card sent to my permanent address, but my mother accidentally threw it away thinking it was junk mail. 

On XX/XX/XXXX, I found out the card had been discarded. On XX/XX/XXXX, I called Citi and explained : my card was thrown away and I needed a new one. I had also already paid {$250.00} from my personal account toward the Citi card balance. 

Citi said they needed to verify my account through a text message, but my phone line is under my mothers name. They told me the only way to verify would be for me to get a brand-new phone and number. I told them I could provide Social Security and banking information, but they refused. 

I confirmed on the phone that I made the flight purchase and payment. Citi still flagged my card as stolen/fraudulent and opened a claim on my account. 

The only email I received from Citi was misleading. It stated that we have received your claim and treated my purchase as if I reported it as fraud, which I did not. I confirmed to Citi multiple times that this was my purchase. Their communication misrepresented my intent, canceled my card, and created unnecessary barriers to my account. The only true notice I got was a text message saying XXXX. 

When I called XXXX XXXX, they told me I was still in good standing and had not been canceled yet. But Citis reversal puts me at risk of cancellation.

I asked Citi to check their recordings to confirm I made the purchase, but they refused to work with me. They told me I would just have to wait for a letter in the mail before they could 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 monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation Account No : XXXX Dear Credit Central, I am responding to your claim regarding an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide validation of this debt.

Please provide the following : 1. The amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges. 
XXXX. The name and address of the original creditor. 
XXXX. Proof that I am legally obligated to pay the debt, such as a copy of the original signed agreement. XXXX. Verification that you are licensed to collect debts in my state, including your license number. 
XXXX. Documentation showing that you have been assigned or purchased the debt and are legally entitled to collect it. 
Be advised that until you provide this information, you must cease all collection activities and communication regarding this account, except to provide the requested validation. 
If you fail to provide proper documentation, or if you continue collection activity without validation, you will be in violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capitol One Amount : {$1600.00} Opened : XX/XX/XXXX ( This was sent to collections. ) Capitol One Amount : {$380.00} Opened : XX/XX/XXXX ( This was sent to collections. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX 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. 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!

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-27 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: NM

Complaint narrative:
Unauthorized access to my credit report has occurred, with several companies making inquiries without my knowledge or consent. Despite my prior contact with your agency and assurances that these inquiries would be removed, they remain on my file. This ongoing failure to act is unacceptable and raises serious concerns of potential identity theft. 

These unauthorized and harmful entries are directly damaging my credit standing and causing continued financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I make payments they are are posted that day and then sent back late fees are applied my credit is ruined continuous cycle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Can not log into my account. Can not talk to anybody to resolve the 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 2025-08-28 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:
there some info on my report that is not mine please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there some info on my report that is not mine please remove

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 2025-08-27 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:
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. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights.

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabl
e cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four 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 2025-08-27 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: TX

Complaint narrative:
Since XX/XX/year>, I have mailed five certified disputes demanding validation of an alleged XXXX XXXX account ending in XXXX. Instead of producing a contract or proof of ownership, XXXX XXXX sent only recycled billing statements, form letters, and contradictory responses. In some letters they referenced the correct XXXX account, in others they reverted to a XXXX  XXXX account number, despite my payment stub clearly identifying XXXX. They have admitted the account was opened online with no signed contract. Their inconsistent use of account numbers, repeated stall tactics, and continued derogatory reporting constitute willful noncompliance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action. Please see 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 non-monetary relief