vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am a victim of identity theft. There are several hard inquiries on my credit report that I did not authorize or initiate. These inquiries were made without my knowledge or consent, which is a violation of my rights under federal law. 
These hard inquiries violate : 15 U.S. Code 1681c-2, which requires removal of identity theft-related data within 4 business days 15 U.S. Code 1681b, as I never gave written authorization for my report to be accessed I am requesting immediate removal of the following unauthorized inquiries : CREDIT ACCEPTANCE XX/XX/scrub>XXXX XXXX XXXX CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take prompt action to block and delete these inquiries from my credit file, as required by law. Thank you. 


Im going to attach : My FTC Identity Theft Report A formal dispute letter A copy of my government-issued ID My Social Security card Proof of address

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 2025-07-08 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I called Synchrony bank that I have been a victim of a fake sweepstakes scam. I sent the money through PayPal, so I called Synchrony to dispute the charges. I was immediately informed that I would receive a temporary credit for the disputed charges and no interest would accrue on the disputed amount until they complete their investigation. I checked my account every day for 2 weeks and noticed that there were no signs of this dispute. There were no credits issued nor did they show up in the open cases file. So I called Synchrony during the first 2 weeks time and the person was able to read the disputes I called in back to me and she told me they would rectify the situation. I monitored my account for the next 2 months to see if the credits or the disputes would appear in the open cases file, but I still saw nothing. So I call Synchrony again. This time I am told that the cases have already been closed and I was found liable for the charges. So it seemed odd to me that they can open and close the disputes that quick when they normally take 2 to 4 months to investigate a dispute.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had my identity stolen back in XXXX  where sensitive information was lost/stolen including my drivers license and social security card. I have been dealing with fraudulent accounts ever since that continue to appear on my credit report. I am taking the necessary steps to protect myself and protect my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-07 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: VA

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with Experian on XX/XX/year> because something was wrong on my credit report. On XX/XX/year> Experian emailed me and said the dispute was completed. However, when I logged onto my account it said I had to call them to see the results. I called many times over an hour. Not being able to reach a single person. It was just an automated system that refused to help me. Being extremely frustrated I hung up. On XX/XX/year> I got the same email which led to me calling them again. The same thing happened again. Then on XX/XX/year> I got a new email. This time I had a link directing me to a new site. I logged into this new site and was finally able to see my dispute. However, there was a problem. So I used the number provided on the dispute to call and find out what was going on. This led me to go in circles through the automated system. I now believe that Experian does not have any employees that can be contacted through a phone.

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 2025-07-07 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: MO

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account being reported on my credit report by XXXX XXXX in the amount of {$780.00}. I have previously disputed this account, and it remains on my credit report despite a related lawsuit having been dismissed without prejudice.

At this time, there is no active legal action supporting the collection of this alleged debt, and continued reporting of this account is misleading and harmful. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and fully verifiable information. Reporting an unresolved or dismissed accountespecially one tied to a dismissed court actionviolates this requirement.

I am requesting the following actions : Conduct a full reinvestigation of the XXXX XXXX account ; Delete this collection account from my credit report based on the dismissal and unresolved legal status ; Send me written confirmation once the investigation is complete.

Attached are documents including court dismissal paperwork, previous communication dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MO

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account being reported on my credit report by XXXX XXXX in the amount of {$780.00}. I have previously disputed this account, and it remains on my credit report despite a related lawsuit having been dismissed without prejudice.

At this time, there is no active legal action supporting the collection of this alleged debt, and continued reporting of this account is misleading and harmful. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and fully verifiable information. Reporting an unresolved or dismissed accountespecially one tied to a dismissed court actionviolates this requirement.

I am requesting the following actions : Conduct a full reinvestigation of the XXXX XXXX account ; Delete this collection account from my credit report based on the dismissal and unresolved legal status ; Send me written confirmation once the investigation is complete.

Attached are documents including court dismissal paperwork, previous communication dispute

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 2025-07-07 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: MA

Complaint narrative:
Dear CFPB, I am submitting this complaint against Equifax for failing to correct multiple inaccurate and unverifiable items on my credit report, even after formal written disputes. These include student loan accounts showing late payments during federally protected deferment or forbearance periods, a collection account that has never been validated, and a closed account improperly reporting late payments. Despite repeated disputes, Equifax continues to verify this information without providing sufficient evidence or conducting a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. 

The following accounts are in question : 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 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} All of these are federal student loans that report late payments during periods when no payments were due, due to CARES Act protections or active deferments. Reporting such accounts as delinquent is materially inaccurate and violates FCRA 1681e ( b ), which mandates maximum possible accuracy in consumer reports. 

Additionally : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26.00} This recent entry shows a late payment on a {$26.00} balance. I never received proper notice or billing for this account, and this reflects an unfair and damaging entry. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$680.00} I do not recognize this collection. I have requested validation, and none has been provided. Continuing to report this without verification violates both FCRA 1681i and FDCPA 809 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This closed account with a XXXX balance is still showing past due information, which is misleading and violates the principles of fair credit reporting. 

Equifax has failed to fulfill its legal obligations by continuing to report these items without valid proof and without correcting obvious inaccuracies. I am requesting that the CFPB intervene and ensure Equifax deletes all unverifiable and inaccurate information and complies fully with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a new investigation into multiple fraudulent accounts that have been resubmitted to my credit report after previously being deleted. These accounts were originally removed following a prior dispute, but they have since been reinserted without proper notification or justification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

As allowed under 15 U.S.C. 1681c-2 ( a ) of the FCRA, I am again requesting the blocking and permanent deletion of these accounts due to verified identity theft. My personal information was compromised in the well-documented Equifax data breach, and I have attached a copy of the confirmation letter from Equifax showing that my data was affected. 

The following accounts must be permanently removed and blocked from being re-reported in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ insert last 4 digits or full reference ] These accounts were fraudulently opened without my authorization, and I do not have any connection to them. The reappearance of these items is causing undue harm to my credit profile and is a serious concern. 

Please take immediate action to : Conduct a new investigation regarding the reappearance of these accounts. 
Provide me with written confirmation that the accounts have been permanently blocked and deleted in accordance with the FCRA. 
Prevent these accounts from being reinserted in the future without full reinvestigation and proper legal notice.

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 2025-07-08 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: WA

Complaint narrative:
lease Remove listed inquiries on my report as they are fraudulent and hurting my report. Thank you so much 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

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 2025-07-07 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:
On XX/XX/year> I sent a correspondence to Equifax to block a fraudulent account opened in my name. The account is XXXX XXXX opened XX/XX/year>. I made sure to include a copy of my Identity Theft Report submitted on the FTC website. Proof on my identity which included a copy or my driver 's license, Social Security Card, and most recent Utility Bill with my current address. A copy of my Credit Report with the fraudulent account circled, and copy of FCRA section 605B which explains the process consumer reporting agencies must take during Identity Theft. Equifax however, ignored the FCRA process never blocked the fraudulent account. I called Equifax and was told my Identity Theft Report, which was filed on the FTC website, is somehow " invalid ''. Equifax 's willful disregard to comply with the FCRA and reporting accurate information is causing harm to my character, reputation, and general mode of living. Remove this account immediately from my consumer report as I have fulfilled all obligations on my end. I will attach all correspondence and documents related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX  XXXX - DATE OPENED : XX/XX/XXXX - BAL OWED : {$720.00}, XXXX - XXXX - DATE OPENED : XX/XX/XXXX BAL OWED : {$5100.00}, XXXX XXXX XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX - BAL OWED : {$11000.00} ; fraudulent inquiries off of my report : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. 

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief