vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you, ( TRANSUNION ) the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of you receiving this complaint. 

I am filling this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, a secured card account opened at XXXX XXXX XXXX on XX/XX/XXXX under thXXXX account number XXXX, an unsecured account opened at XXXX  on XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent charge-offs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments or in charge-offs as reported. The aforementioned accounts, collections, and charge-offs, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments and charge-offs are a result of identity theft and fraud. I have attached the copy of the FTC Identity Theft Criminal Complaint # ( 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 demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My PayPal Mastercard account, issued by Synchrony Bank, was closed after two returned payments one for {$50.00} and a second {$5.00} duplicate payment. The second payment was a submission error, not due to financial hardship. Synchrony reversed the NSF fee, and no mention of possible closure was made at the time. Over a month later, the account was closed without clear warning. 
On XX/XX/year>2025, I called Synchrony and spoke to a rep in the XXXX, who transferred me to a manager named XXXX. XXXX belittled me by saying youre not hearing me when I tried to explain the situation. She dismissed my concerns and used a tone that made me feel intimidated, violating the spirit of CFPB expectations regarding respectful and transparent customer service. 
I then spoke to XXXX ( ID XXXX ), who agreed to submit my account for review. I informed her that a {$100.00} pending payment would come back as XXXX  because I asked my bank to stop it and they advised the only way to cancel was to make sure the funds were not available. I made this clear was due to the account being under dispute, not refusal to pay. 
I also expressed that being allowed to use my card for over a month before being shut out, and then being told I must submit a bank letter weeks after the fact, was unprofessional. This handling violates FCRA guidelines about providing clear, timely, and accurate information.

Im asking for a formal review, removal of the closure from my credit report, and cancellation of the {$100.00} pending payment. Synchronys behavior particularly the lack of warning, poor communication, and intimidation by management deserves regulatory review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: KY

Complaint narrative:
I have been contacted about a past due balance of student loans by Mohela. I have not received any letters at my home address, or calls to my phone. Only emails to an email that was no longer in use. I also shouldnt have a balance through the company at all as I received a work ready scholarship through my school. Despite all of this, my XXXX XXXX has now been docked almost XXXXXXXX XXXX. As a small business owner and family man this can be devastating if we dont get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX insisted my card was received by me in XXXX Of XXXX. I MAILED THEM A LETTER FROM THEM INFORMING ME THAT MY card would be late due to a. Vendors mistake. The letter was dated XXXX Of XXXX. I received and activated my card in XXXX of XXXX. I proceeded to charge over {$2000.00} in the first 3 months. The offer was I would receive {$75.00} for every {$500.00} charged in the first 3 months up to {$220.00}. I never received anything. After 8 months I called reps, who worked out of XXXX, to tell me why. They said my card was issued to me in XXXX Of XXXX and the 3 month period to receive the promo had run out. When they later got my letter from them proving them wrong about the date I activated my card, they still insisted I received it in XXXX and refused to pay me the offer of {$220.00} that was promised. My initial payment was made on my XX/XX/XXXX statement. There were no statements with any charges before 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 monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ( possibly XXXX XXXX XXXX ) Account Number : [ Include if available ] Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX A collection account appeared on my credit report for {$1000.00} from XXXX XXXX XXXX. I have no knowledge of this debt and have never received a bill or explanation of charges. The listed service date ( XX/XX/XXXX ) does not align with any emergency visit or medical service I received. 

In addition, I had active Medicaid coverage at the time this debt was allegedly incurred. If this is a medical bill, it should have been submitted to Medicaid. I am not legally responsible for medical expenses that should have been covered by Medicaid. This debt was reported without proper verification and without notifying me, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I filed a dispute through XXXX XXXX but have received no response or resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Request for Removal of Inquiries ( Identity Theft ) Dear Credit Bureau, I am writing regarding several hard inquiries on my credit report. These inquiries were made as a result of identity theft and were not authorized by me. 
I am requesting that the listed inquiries be removed, as they are a direct result of fraudulent activity and not a mistake on my part. 
To support my claim of identity theft, I am providing the following documents : A copy of my identification ( ID ) My Social Security Number ( SSN ) Proof of my current address FTC Report of identity theft Below is the list of inquiries that need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent, and I kindly request that they be removed in accordance with the applicable laws. 
Please review my request and remove the inquiries from my report as soon as possible. Thank you for your attention to this matter. I look forward to your prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX Date : XX/XX/year> To : Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Unauthorized Disclosure of Personal Information & Violation of Rights To Whom It May Concern, I am writing to formally dispute and express my serious concern regarding Experians handling of my personal information, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and possibly other applicable laws. 
It has come to my attention that Experian has shared or disclosed my personal and/or credit-related information without my consent or lawful justification. This constitutes a breach of my privacy rights and raises significant concerns regarding the protection of my sensitive personal data. 
Under the FCRA, you are legally obligated to ensure the accuracy, confidentiality, and authorized use of consumer information. Any sharing or distribution of my information without a permissible purpose or explicit consent is a clear violation of these obligations. I demand : A full investigation into the unauthorized sharing of my information. 


Immediate cessation of any further unauthorized disclosure. 


A detailed explanation of what information was shared, with whom, when, and under what justification. 


Immediate removal of any information that was wrongfully shared or accessed. 


Documentation proving compliance with applicable laws in handling and protecting my information. 


Please consider this letter a formal dispute and request for investigation under the FCRA. I expect a written response within 30 days of receipt, as required by law. If I do not receive a satisfactory response, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for damages resulting from this breach of my rights. 
Please send all correspondence to the address listed above. I request that you do not share or disclose any more of my personal information unless legally required and with full transparency. 
Sincerely, 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 2025-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXXXXXX XXXX is the debt collector use reference XXXX pin XXXX This is out of the blue and totally not my bill as I closed and paired off accounts with mortgage. 

I am part of a class action law suite XXXX ID XXXX XXXX I am very upset and will fight this as this is my my bill. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted the below debt collector and took notation of call and found several violations. 

Complaint Summary LVNV Funding / XXXX ( XXXX XXXX ) and XXXX XXXXXXXX XXXX ( XXXX ) Date of Incident : XXXX XXXX, 2025 Agent Name : XXXX Debt Collector : LVNV Funding 1. Failure to Properly Verify Identity Before Discussing Account Details The agent accessed and disclosed details on two separate accounts ( XXXX and XXXX XXXX ) after the consumer provided only partial verification ( partial SSN, no DOB or address ). Despite being informed that the consumer is a victim of identity theft, the agent continued discussing sensitive account information. This is a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and data privacy standards, as it risks unauthorized disclosure of personal information. 

2. Inaccurate or Misleading Statements About Legal Action The representative referenced possible legal action, using unclear and ambiguous language such as pre-legal status and it could take place but theres no confirmation. These statements may be considered misleading under the FDCPA, as they imply legal consequences without any confirmed intent or legal process initiated. 

3. Improper Handling of Identity Theft Allegation and Shifting Burden of Proof Despite the consumers claim of identity theft, the agent continued assuming the debts validity based solely on documentation from the original creditor. Under the Fair Credit Reporting Act ( FCRA ), once identity theft is reported, the burden of proof shifts to the collector to investigate before continuing collection efforts. Proceeding without proper investigation raises both FCRA and FDCPA concerns. 

4. Incomplete Explanation of Dispute Rights The agent failed to clearly communicate the consumers rights to dispute the debt in writing within 30 days of initial contact ( as required by the FDCPA ). While an affidavit and police report were mentioned, the agent did not explain that collection must pause during the investigation. The agent also implied notarization was necessary, though it is not a legal requirement. 

5. Disclosure of Sensitive Account Information Without Proper Consent The agent shared details including creditor names, balances, and account statuses without full identity verification, potentially violating privacy protections and data handling protocols under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX my credit score dropped XXXX points because of XXXX days late on student loans but they aint give me no update when Biden stopped the forbearance and that messed me up so Im really trying to take the negative mark off my credit please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I paid off my car loan and closed the account. However, late payments are still being reported on my credit every XXXX weeks. I understand it could take up to XXXX business days to reflect on my credit score, however it should not be reporting anything. yet again, It is reporting negative every XXXX weeks. 

I called both the credit lender, XXXX XXXX, they stated this is not an issue and that there isn't anything they can do about it. I tried calling Experian, I was unable to speak with a represenative nor could I file a dispute. This

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief