vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I received a notice via email that an account was opened in my name through XXXX. Apparently XXXX is a third part vendor for XXXX and they allowed someone to obtain a store credit card in my name. I have not applied for a credit through XXXX and do not wish to have a personal store credit card as this does not help my credit. 

I called XXXX and the representative would not release any information to me because they are requesting I give them my address and social security number although I have explained to them I am not comfortable releasing this information due to their recent inability to protect my credit and information. 

On XX/XX/year>, I received an email from Synchrony Bank stating a card will be issued to me, however, I have NOT applied for any cards. This has given me XXXX XXXXnd I am very stressed thinking about someone having m information.

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Global Tel*Link Corporation
State: ID

Complaint narrative:
I made a deposit with getting XXXX XXXXor my son that is XXXX  at XXXX XXXX XXXX in XXXX Idaho. I put it in the communication account for Telephone calls Video visits knowing he wouldn't have a Tablet. The deposit went to a Tablet account which he has no access to. I called customer service and they told me he does have access. They would not transfer to his calling account nor issue a refund period. He tried to access the Tablet after he got moved to a dorm and it said no funds available make a deposit.My deposit was done on XX/XX/year> for {$40.00}. Charges for Telephone services. When I click on deposit history it says I don't have any. I made 2 deposits one was for my phone to receive calls and send messages. It will not let me message him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : 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 non-monetary relief
Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on this account. This account is hurting my ability to obtain credit opportunities. It is my understanding that my account will be investigated for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ( XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on this account. This account is hurting my ability to obtain credit opportunities. It is my understanding that my account will be investigated for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ( XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
am filing this complaint because absolute resolutions filed a lawsuit against me regarding an alleged debt. However, I was never properly served notice of this lawsuit, which violates my right to due process and my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I only learned of this lawsuit through secondary means, not through lawful service.

Despite this, the collection agency is still reporting the account to XXXX. I disputed this entry with XXXX, but XXXX  returned the account as verified without providing the required method of verification. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), XXXX  is obligated to provide me with a detailed description of how the account was verified, including the documentation relied upon, the furnishers contact information, and the procedures used. They failed to do this and continue to report the account as valid. 

Violations : The collection agency violated the FDCPA by filing a lawsuit without proper service and by continuing to pursue collection without providing validation of the debt. 

XXXX  violated the FCRA by reporting inaccurate information and failing to properly investigate or provide the method of verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 10 fraudulent accounts and 1 unauthorized inquiry appearing on my TransUnion consumer FICO 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  ( XXXX ) on XX/XX/XXXXXXXX  under account number XXXX in the amount of {$610.00}, a credit card account opened at XXXX XXXX  on XX/XX/XXXXXXXX  under account number XXXX in the amount of {$2500.00}, a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX in the amount of {$440.00}, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX in the amount of {$960.00}, a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under account number XXXX in the amount of {$8100.00}, a closed loan account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX in the amount of {$0.00}, a closed loan account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}, a loan account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$4300.00}, a loan account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$2000.00}, and a student loan account opened at the Department of EducationXXXX XXXX XX/XX/XXXXXXXX  under account number XXXX in the amount of {$5500.00}. 

This unauthorized inquiry consists of XXXX on XX/XX/XXXX. 

These fraudulent accounts and unauthorized inquiry have resulted in several inaccurate and damaging items appearing on my TransUnion consumer FICO credit report. I demand that the aforementioned fraudulent items and inquiry be removed from my TransUnion 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 2025-09-17 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: NY

Complaint narrative:
Despite diligently making payments to satisfy the minimum due and then some, and redeeming all available promotional/rewards credit to lower my balance, Capital One is still treating a longtime customer with a credit card and multiple bank accounts terribly. I called about having some interest waived and I was insultingly offered just under {$3.00} of an interest waiver. Less than {$3.00}! How insulting. 
I'm hoping that they will reconsider and see about waiving a more significant interest charge in consideration of the fact that we are having some family medical issues and I have kept my account in great standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-17 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: IL

Complaint narrative:
I am following up on a previous dispute regarding inaccurate and misleading information on my credit report. Several accounts remain reported incorrectly despite my earlier request for reinvestigation. 
XXXX XXXXXXXX XXXX shows a balance of {$0.00} but is inaccurately reported in a way that suggests negative activity.Charge-Offs : Accounts with XXXX balances, including XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should not reflect a charge-off. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$960.00} ) XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XXXX are also inaccurately reported without proper verification. 
Collections Not Disputed : Accounts such as XXXX XXXX XXXX ( {$630.00} ), XXXX XXXX XXXX ( {$780.00} ), XXXX XXXX  ( {$450.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$510.00} ) are included for visibility but are not part of this dispute.Federal law requires that credit reporting agencies ensure all information is accurate, complete, and verifiable. Continuing to report unverifiable or misleading information harms my creditworthiness and violates my rights under the FCRA.

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 2025-09-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
1. Credit report showing the inquiries Highlight the entries in question.

2. Any correspondence with the lender ( s ) XXXX XXXX XXXX  ) disputing the inquiries.

3. Dates of inquiry vs. expected removal dates Include the ones you listed : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Any proof that you did not authorize these inquiries ( emails, letters, identity theft reports, etc. ).

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 2025-09-17 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SLM CORPORATION
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and unlawful reporting by Sallie Mae. They are currently reporting multiple student loan accounts as charged off, with balances of {$9900.00}, {$2600.00}, {$13000.00}, and {$14000.00}. 

This reporting is inaccurate because the charge-off entries are older than XXXX ( XXXX ) years and should no longer be appearing on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs is not permitted to remain beyond XXXX years from the date of first delinquency. Sallie Maes continued reporting of these outdated accounts is a direct violation of FCRA 605 ( a ). 

I have already disputed this information with the credit bureaus, yet Sallie Mae continues to furnish the same inaccurate data. This is unfairly damaging my credit profile, lowering my scores, and harming my ability to access credit, housing, and fair financial opportunities. 

I am requesting that Sallie Mae immediately delete these accounts from my credit reports in compliance with the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim oXXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : 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

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-09-17 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 complaint regarding a XXXX XXXX account that is being inaccurately reported on my credit report. This account is the result of identity theft and does not belong to me. 

I contacted the creditor ( XXXX XXXX ) directly, and they provided me with the account information. Following that, I immediately filed an FTC Identity Theft Report ( attached to this complaint ) confirming the fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, once a consumer submits an Identity Theft Report, the credit reporting agencies are required to block the fraudulent account from appearing on the consumers credit report within 4 business days.

Despite providing this documentation, the account attributed to XXXX XXXX ( email : XXXX and phone : XXXX ) remains on my credit file. This continued reporting is causing me harm, distress, and is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a XXXX XXXX account that is being inaccurately reported on my credit report. This account is the result of identity theft and does not belong to me. 

I contacted the creditor ( XXXX XXXX ) directly, and they provided me with the account information. Following that, I immediately filed an FTC Identity Theft Report ( attached to this complaint ) confirming the fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, once a consumer submits an Identity Theft Report, the credit reporting agencies are required to block the fraudulent account from appearing on the consumers credit report within 4 business days.

Despite providing this documentation, the account attributed to XXXX XXXX ( email : XXXX and phone : XXXX ) remains on my credit file. This continued reporting is causing me harm, distress, and is a clear violation of my rights under the FCRA.

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 2025-09-17 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: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief