vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Thank you for your letter dated XXXX XXXX XXXX, regarding the credit line reduction on my JCPenney Mastercard account ending in XXXX. 

While I appreciate your acknowledgment of my prior inquiry, I must express disappointment and continued concern that your response failed to provide any concrete documentation, data, or direct proof to substantiate the claims made in either your XXXX XXXX letter or your recent response. 

You reference a sound credit scoring system and a review of my credit file, but you did not provide : 1. The name of the scoring model used ( e.g., XXXX XXXX XXXXXXXX XXXX ). 
2. The actual credit score on which your decision was based.

3. The specific factors or items from the credit report that negatively affected your evaluation.

4. A copy or detailed summary of the credit report data relied upon.

5. Any internal underwriting guidelines or thresholds that triggered the adverse action.

As a consumer, I have a legal right to a complete and truthful explanation of all factors involved in any adverse credit decision, as provided by the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and 15 U.S. Code 1611, which expressly prohibits the use of false or misleading information in credit decisions.

Your response references XXXX as the source of information but fails to identify what information from XXXX  justified the reduction or to confirm its accuracy. Simply redirecting me to a third-party credit bureau without validating or disclosing the specific data you used does not satisfy your legal obligations. 

Therefore, I am again requesting the following, in writing : - A complete and itemized list of all specific data points used from the credit report. 
- The exact credit score, score range, and scoring model used. 
- The date the credit report was pulled and the version used. 
- Any internal criteria or policies that contributed to the credit line reduction. 
- A statement affirming that no inaccurate, outdated, or misleading information was used in your decision-making process. 

Please consider this a formal dispute and second demand for full disclosure under applicable federal laws. If you continue to withhold verifiable and specific information, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General, and to consider legal action to ensure compliance.

I expect a written response within 15 calendar days of receipt of this letter.

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 2025-06-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, Subject : Request to Block Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 I am writing to formally dispute and request the immediate blocking and permanent deletion of fraudulent accounts and inquiries on my credit file that were the result of identity theft, as provided for under 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

My personal information was compromised during the XXXX data breach, which exposed sensitive identifying information and resulted in unauthorized accounts being opened in my name. 

In compliance with FCRA requirements, I am including the following documentation : A copy of my FTC Identity Theft Report A clear copy of my government-issued photo ID A copy of my Social Security card A utility bill as proof of current address I am disputing and demanding removal of the following fraudulent accounts : XXXX XXXX opened XX/XX/XXXX {$1300.00} Acct # XXXX XXXX opened XX/XX/XXXX {$46000.00} Acct # XXXXXXXX XXXX XXXX  opened XX/XX/XXXX {$3600.00} Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$580.00} Acct # XXXX XXXX  XXXX  opened XX/XX/XXXX {$3000.00} Acct # XXXX XXXX XXXX XXXX XX/XX/XXXX {$580.00} Acct # XXXX XXXX  opened XX/XX/XXXX {$44000.00} Acct # XXXX XXXX opened XX/XX/XXXX {$310.00} Acct # XXXX Also remove : Last Name : XXXX This is not my legal last name Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at or been associated with this address Fraudulent inquiries to be deleted : 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 Under 15 U.S.C . 1681c-2, I am demanding that you block and delete all information related to fraudulent accounts and inquiries resulting from identity theft within four ( 4 ) business days of receipt of this request. 

Please send written confirmation that the fraudulent information has been removed. I expect this to be completed within the timeframe mandated by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I am writing to formally dispute certain information being reported by your company on my credit report. After reviewing my credit file, I have identified inaccuracies associated with the account listed under your name, and I request an immediate investigation and correction under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Inaccurate Balance The balance reported does not reflect the correct amount I owe. It may include errors in payment postings, interest charges, or fees that are not valid.

2. Incorrect Account Status The status ( e.g., past due, charged-off, open ) may be misrepresented.

3. Payment History Errors My credit report may show missed or late payments that were either made on time or not applicable.

4. Reporting of Closed/Settled Account If the account was paid, settled, or otherwise resolved, this should be accurately reflected.

5. Incomplete or Inconsistent Information Key details such as the opening date, last payment date, or original loan terms may be incorrect.

am exercising my legal rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have enclosed copies of relevant documents, including ID and proof of address, to assist with your investigation.

Please respond in writing within 30 days of receiving this notice. If you fail to provide evidence of accuracy, I will seek removal of the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
My personal information was exposed to XXXX XXXX data breach and mt identity was stolen and i do not recognize these accounts listed on the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX has violated my rights. 

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 an account without my written instructions.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I attempted to contact Consumer Adjustment and my certified letter was RTS. Unable To Forward. I sent it to the address on my report. How am I supposed to request information if the information given is false?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Account Leafy Financial # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt display my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
A Telecheck was used for a POP ( I think point of purchase ) at a XXXX on XX/XX/year>. The bank routing and account number were for my checking account at XXXX XXXX. This is a joint account with my husband. The amount was {$210.00}. I discovered the unauthorized Telecheck on Sunday XX/XX/year>. I called Telecheck and they said the scammed used a driver 's license that did not match mine but the purchase went through anyway. I am very concerned my XXXX checking account information is now in the wrong hands of a scammed. I am furthermore concerned that Telecheck refused to stop further attempts at fraudulent Telecheck cashing. I have filed a dispute with Telecheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently checked my credit and seen inquiries that I do not recognize.

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 2025-06-29 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: KS

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX has a bug that over charges the card, I did not authorize the amount XXXX XXXX charged me for. I have screen recording proof of this issue. I have a XXXX second video of this. Your site wont let me upload it bc its too large. But first screen shot shows a price of {$56.00} and thats what I authorize to charge go into the XXXX XXXX XXXX and check my statement I am charged for {$63.00}. See charge on XX/XX/year>. 

This happened w all my XXXX XXXX  orders. They do nothing about it refuse to reply to me will waste hours on the phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal escalation regarding TransUnion 's repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B ( a ), ( b ), and ( c ) ( 3 ), following my identity theft dispute submitted on XX/XX/XXXX, and again on XX/XX/XXXX ( FTC Report # XXXX ). 

Despite receiving a complete identity theft report package, including my government ID, proof of address, and FTC affidavit under penalty of perjury, TransUnion : Refused to block fraudulent information as required under 605B ( a ) Illegally contacted the furnisher, initiating an investigation, which is explicitly prohibited after a valid identity theft report is submitted Failed to provide a written explanation of refusal to block within the 4-business-day window under 605B ( b ) Continued reporting the fraudulent XXXX XXXX XXXXXXXX account and XXXX inquiry, despite 605B ( c ) ( 3 ) restrictions Their written responses confirm they acted based on account history and payment behavior both irrelevant under 605B, which does not allow judgment-based decisions post-filing. The law mandates removal, not review. XXXX has already removed the same XXXX XXXX XXXXXXXX account, validating my claim and showing TransUnions non-compliance. 

This is a willful violation under 15 U.S. Code 1681n and 1681o, for which I reserve the right to pursue civil damages. 

Requested Resolution : Immediate removal of all identity theft-related tradelines and inquiries from my credit file Written confirmation of compliance with 605B Internal explanation of why these violations occurred despite complete documentation Accounts to Block : XXXX XXXX XXXX XXXX Account # XXXX / # XXXX Status : Charge-Off Balance : {$0.00} XXXX Inquiry Date : XX/XX/XXXX I have made multiple attempts in good faith. If this issue is not resolved in compliance with federal law, I will escalate this to the FTC and Attorney Generals Office. 

A formal complaint was also submitted today to the 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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer 2. Notify the furnisher that the information has been deleted or modified I did not authorize or open the following accounts. These items were the result of identity theft, and I have already filed an FTC Identity Theft Report. I want these removed from my credit profile immediately : XXXX XXXX loan account with a balance of {$12000.00} reporting as a charge-off. I never opened this account or did business with XXXX. 
XXXX XXXX XXXX XXXX loan account with a balance of {$22000.00} showing a charge-off status. I did not authorize or open this account. 
XXXX XXXX XXXX XXXX Credit card account with a {$2000.00} balance reported as a charge-off. I have never had any credit card with XXXX XXXX and did not apply for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I found a list of inquiries that I dont recognize on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
I reached out to the company via phone call, asked them for proof of ownership for the collection I supposedly ole from years ago because Ive been having issues moving due to this false collection that I did not have ownership for, they didnt provide any information or proof, then threatened me by sayingI will have to pay the balance or they will continue to report it to my credit bureau and continue to damage my credit score after I stated I wasnt paying for a collection I did not have ownership of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Date : XX/XX/year> Subject : Failure of Credit Bureaus to Remove Fraudulent Accounts in Violation of 15 U.S.C. 1681c-2 Complaint Details : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion, Experian, and Equifax for their failure to comply with 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block information resulting from identity theft upon receipt of an Identity Theft Report and proper identification. Despite multiple attempts to resolve this issue, the credit bureaus have not taken action to remove fraudulent delinquent accounts from my credit report, resulting in negative credit reporting that has caused me significant harm.

Description of Issue : Unauthorized accounts were opened and used without my permission or authority, constituting identity theft.

I have made multiple attempts to contact TransUnion, Experian, and Equifax to dispute these accounts, including written correspondence and phone calls, on various dates over the past several months.

I have filed multiple complaints with the CFPB regarding this issue, but no resolution has been achieved.

I completed an Identity Theft Report through the Federal Trade Commissions IdentityTheft.gov website, which I am attaching to this complaint. This report details the fraudulent accounts and confirms the identity theft.

Despite providing the Identity Theft Report to TransUnion, Experian, and Equifax, the credit bureaus have failed to block or remove the delinquent accounts from my credit report, in violation of 15 U.S.C. 1681c-2.

The accounts in question are negatively impacting my credit score, causing financial and personal harm, including difficulty obtaining credit and increased financial stress.

Requested Action : Immediate removal of the fraudulent delinquent accounts from my credit reports maintained by TransUnion, Experian, and Equifax, as required by 15 U.S.C. 1681c-2.

An investigation into the credit bureaus failure to comply with federal law and their inaction despite receiving my Identity Theft Report and prior CFPB complaints.

Confirmation that the fraudulent accounts have been blocked and removed, along with updated credit reports reflecting these changes.

Attachments : Identity Theft Report from the Federal Trade Commission ( IdentityTheft.gov ) I respectfully request that the CFPB take prompt action to enforce compliance with 15 U.S.C. 1681c-2 and ensure the removal of these fraudulent accounts from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
I have a debt from XXXX I am paying off with Sentry Credit. My payment had failed twice and they texted me. That is completely fine. They texted me yesterday ( a day after my payment had failed ). They then proceeded to text my mom. This isnt the first time they had done this, the first time was probably around a year ago. This is not my moms business and my privacy feels totally invaded. I dont even know how they found my moms info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting multiple accounts on my credit file that are fraudulent and do not belong to me. These accounts were added without my knowledge or consent, and their reporting is causing significant harm to my credit profile. The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others all marked as derogatory. 

On XXXX XXXX XXXX, I submitted a formal dispute under FCRA 605B, along with an FTC Identity Theft Report, government-issued ID, proof of address, and a signed statement declaring these records fraudulent. Despite receiving these documents, TransUnion has failed to block or delete the inaccurate accounts as required by law. 

Their continued reporting of these false accounts has led to credit denials, higher interest rates, emotional distress, and damage to my reputation. XXXX, after reviewing the same evidence, has already deleted these accounts from my file, proving that TransUnion is acting in bad faith and violating my rights under federal law.

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