vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: CO

Complaint narrative:
I am submitting this dispute to Experian regarding the following accounts. I believe these accounts may contain errors or incomplete reporting that violates the FCRA. Please investigate and make corrections where necessary, including verifying the accuracy of reported balances and dates. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$59.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15.00} XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$67000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
TransUnion responded and said it was done through a 3rd party service that I paid for. Thats not true. I did everything myself and researched everything I needed for my claim. Its just a really well written document that looks professional but I did it all myself. XXXX XXXX XXXX XXXX. Please grant the inquiries I requested, please. God Bless

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 2025-11-21 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-21 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: MN

Complaint narrative:
I am disputing the following items on my credit report for inaccurate reporting. The information provided below relates to charged-off accounts, inquiries, and late payments that require review and correction : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number : XXXX Date of Late Payment : [ Date of Late Payment ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On Friday, I received an email and text message notifying me of a new, unauthorized charge of {$1200.00} on a Synchrony Bank credit account tied to my name. 
This account should have been closed long ago. Approximately three years ago, I made formal complaints to both the credit bureaus and Synchrony Bank to close this account, but it remained active. 
I now strongly suspect that a Synchrony Bank employee is fraudulently using this account. The suspicion was confirmed by a specific sequence of events : On the very day I called a Synchrony Bank representative to report fraudulent activity and was told they would close the account, the {$1200.00} fraudulent charge and an information update were posted to the account. This rapid response and update following my call suggests direct insider involvement. 
Furthermore, Synchrony Bank has since become uncooperative, claiming they are unable to find the account under my name. I believe this is a method to hide the fraudulent activity. Despite their claim, the account continues to be reported as active to the credit bureaus. 
I am filing this report because I believe this involves a potential interstate crime and organized insider fraud, as local police and the bank have been unhelpful.

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 2025-11-21 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: FL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX  Account Number : 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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Whom It May Concern, I am writing to formally dispute the denial of my recent fraud claim regarding {$3600.00} that was stolen from my account. My claim was denied within two days, which raises serious concerns about whether a proper and thorough investigation was conducted. 

This loss was not authorized by me, and I did not participate in or approve any of the transactions in question. I have been a responsible account holder, and I reported the fraud immediately. Despite this, I received a denial with no detailed explanation, no supporting evidence, and no reasonable justification for the decision. 

Given the severity of the loss and the extremely short turnaround time, I am requesting : 1. A full and complete reinvestigation of the fraudulent activity 2. A written explanation outlining how the initial decision was reached 3. Copies of any documentation or evidence used to justify the denial 4. Immediate escalation to the Executive Office or a higher-level review team The handling of this claim does not align with the protections outlined under Regulation E, nor does it reflect the standard of care I expect from my financial institution. {$3600.00} is a substantial amount of money, and I deserve a fair review. 

Please confirm receipt of this complaint and advise me of the next steps. I expect a timely and transparent response. 

Thank you, 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 monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

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.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Won't ship my card, won't update my address, won't help and keeps me on hold. They say I got Chime XXXX  where I'm supposed to get top tier service but yet to receive my card, I'm constantly blamed but hey they the can steal my money. Force me to sign up with direct deposit but now I can't get the flipping card. Like XXXX, no one helps and constantly beat up on the XXXX  boy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Debt Validation Reque Return Receipt Requested XXXXXXXX XXXX  [ Pursuant to 15 U.S.C. 1692g ( b ) and Related Law Account : [ Midland credit management/Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Whom It May Concern : This letter serves as my formal demand for validation of the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2, I hereby request that you provide full verification and substantiation of this alleged account before any further collection activity or credit reporting continues. Specifically, you are required to provide : 1. Complete Validation of Debt A copy of the original signed contract or agreement bearing my signature, along with a full account history showing all charges, payments, interest, and fees. 2. Proof of Ownership/Assignment Documentation showing your legal right to collect, including a valid chain of assignment from the original creditor. 3. Licensing & Bonding Proof that you are licensed and bonded to collect debts in my state. 4. Verification of Reporting Accuracy Evidence that any reporting to credit bureaus complies with the Metro 2 Format, being accurate, complete, and not misleading. Be advised that until you provide the above documentation, you must cease all collection activity, including credit reporting, as continued collection efforts without proper validation constitute a violation of the FDCPA. Reporting unverifiable or inaccurate information to consumer reporting agencies also violates the FCRA and can result in civil liability. If you fail to provide proper validation within 30 days, you are required by law to delete this account from all credit reporting agencies and cease all collection efforts immediately. Failure to comply will result in complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will pursue all remedies available under state and federal law. This is a notice to preserve all evidence related to this matter for potential litigatio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ XXXX ], filed on [ XX/XX/XXXX ]. 
Note : The report issued by the FTC uses the DD/MM/YYYY date format, and the date shown follows that standard. 

Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
A fraudulent M & T Bank auto loan was added to my credit file. I was not in the United States when the loan was created. XXXX  has reported it as verified, but the verification is incorrect. 

Key Facts : The loan date was XXXX XX/XX/XXXX. 
My U.S. entry date was XXXX XX/XX/XXXX ( XXXX record ). 
I have lived in XXXX since XXXX. 
I never applied for or signed any vehicle finance agreement. 
I notified M & T Bank on XXXX XXXX and XXXX XXXX. 
I provided documentation proving the loan is impossible. 
M & T Bank has not supplied any copy of an application or ID. 
XXXX  continues to report the account as repossession. 

Requested Resolution : Require M & T Bank to provide the original application documents, including identification used. Require M & T Bank to withdraw all credit reporting related to this fraudulent account. Require the credit bureaus to delete the account. Require M & T Bank to confirm the investigation outcome in writing. This account is identity theft and causes financial harm.

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 2025-11-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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