vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: AR

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX 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 Balance : {$0.00} KIKOFF XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX, XXXX Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-09-04 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: AR

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX 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 Balance : {$0.00} KIKOFF XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX, XXXX Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 am writing to formally dispute several inaccurate and potentially unauthorized items appearing on my credit report. I believe the following entries may be misreported, outdated, or unverifiable. I request that your office conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ) and remove any information that can not be substantiated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXXXXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} 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 Balance : {$5600.00} 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 2025-09-04 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: VA

Complaint narrative:
I am writing to formally dispute several inaccurate and potentially unauthorized items appearing on my credit report. I believe the following entries may be misreported, outdated, or unverifiable. I request that your office conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ) and remove any information that can not be substantiated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXXXXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} 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 Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX / XXXX XXXX XXXX letter was send out to all 3 credit bureaus as a close account and fully paid off and still shows as open account on my report

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 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I use the Synchrony app to make payments on my XXXX XXXX card, however, since XXXX I have been unable to login. I have deleted the app, cleared my cache, even tried logging in on a desktop, and keep getting the message that they can't pull up my account at this time. They DO allow me to make a blind payment, but to view past payments, due date, or my balance, I can not. These are the most basic uses of the app and for it to be " broken '' for even a week is too much, but now it's been months and still no fix. This, I'm sure is making them money as people aren't making payments on time and they are racking up the money on interest and late fee charges.

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 2025-09-04 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: TX

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 2025-09-04 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$3700.00} Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: AR

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX 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 Balance : {$0.00} KIKOFF XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX, XXXX Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-09-04 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: Certegy Holdings, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent banking-related accounts and negative information appearing in both consumer file and the business file of XXXX XXXX XXXX , of which I, XXXX XXXX XXXX XXXX am the owner. Neither I, XXXX XXXX XXXX, nor my business, XXXX XXXX XXXX, authorized or opened the accounts in question. 

These fraudulent accounts were created as a result of identity theft and must be deleted immediately. 

The following financial institutions are being inaccurately reported under my name and/or my business : XXXX Bank Credit Card XXXX  XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Bank Credit Card XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Bank Credit Card XXXX XXXX XXXX These entries are false, unauthorized, and damaging. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, XXXX is required to block and delete all identity theft-related information upon receipt of proper documentation. Enclosed with this letter are the following supporting documents : FTC Identity Theft Report ( including affidavit ). Letter from my attorney verifying the identity theft case. Copy of my government-issued ID. Proof of current address. Business documents for XXXX XXXX XXXX ( including EIN/Business ID ). Also please update my address and phone number of file to my current ones. I have attached supporting documents for the address change My address at the time of all this fraud was XXXX XXXX XXXX, XXXX Ca XXXX My current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, ca XXXX my current phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent banking-related accounts and negative information appearing in both consumer file and the business file of XXXX XXXX XXXX XXXX of which I, XXXX XXXX XXXX XXXX am the owner. Neither I, XXXX XXXX XXXX, nor my business, XXXX XXXX XXXX, authorized or opened the accounts in question. 

These fraudulent accounts were created as a result of identity theft and must be deleted immediately. 

The following financial institutions are being inaccurately reported under my name and/or my business : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Card XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX Credit Card XXXX XXXXXXXX XXXX These entries are false, unauthorized, and damaging. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, XXXX is required to block and delete all identity theft-related information upon receipt of proper documentation. Enclosed with this letter are the following supporting documents : FTC Identity Theft Report ( including affidavit ). Letter from my attorney verifying the identity theft case. Copy of my government-issued ID. Proof of current address. Business documents for XXXX XXXX XXXX ( including EIN/Business ID ). Also please update my address and phone number of file to my current ones. I have attached supporting documents for the address change My address at the time of all this fraud was XXXX XXXX XXXX, XXXX Ca XXXX My current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, ca XXXX my current phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After submitting a dispute about inaccurate information on my credit report, I was informed that the account was " verified '' by the furnisher. However, the furnisher never contacted me, provided no supporting documentation, and failed to explain how the verification was conducted. This lack of a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), particularly the standards set forth in FCRA 602 ( A ) ( which requires fairness and accuracy ) and 611 ( which requires a reasonable reinvestigation ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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  Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called chase Morgan what l get account and debit card trying to fix my problem when l stuck with customer service that l wasnt be able to have same conversation that XXXX was do horrible and was difficult to have a dialogue probably goes out of the country like other companies does like telephone company too they should make easy for customers have same acknowledged but unfortunately that big company that should give more jobs for American people no ripped offs l believe she made big mistake cancel my debit card and l am literally broke cant use the debit card thats the only one that l have to go work and pump my vehicle turned me impossible to do all that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
They violated my rights as a consumer under XXXX XXXX XXXX. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance {$7900.00} Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
They violated my rights as a consumer under XXXX XXXX XXXX. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance {$7900.00} Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/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 2025-09-04 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: MD

Complaint narrative:
Dispute item Account : UNIVERSITY XXXX MARYLAND XXXX Account : UNIVERSITY XXXX MARYLAND XXXX Result Denied TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

I'm not satisfied with this result Dispute reason Accuracy Other Additional comments Breach of information XXXX Contact info UNIVERSITY XXXX MARYLAND XXXX Dispute details Dispute XXXX Dispute XXXX Sent to TransUnion Submitted XX/XX/XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$3600.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$3600.00} Highest Balance {$3000.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name UNIVERSITY XXXX MARYLAND XXXX Closed No Info See an error? 
Dispute Something not right? Visit the Dispute Center to submit or check the status of an ongoing dispute with TransUnion. 

Go to dispute center Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD 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 2025-09-04 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:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that these account are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I discovered unauthorized transactions totaling approximately {$1000.00} on my account. I reported the fraud to my bank immediately and requested that the charges be reversed. Despite my timely notice and multiple follow-ups, the bank has not resolved the matter or credited my account. 

Because my funds were missing, my account went into overdraft. Instead of correcting the issue, the bank charged overdraft fees and has since closed my account. 

Under federal protections ( Regulation E for debit cards and Regulation Z for credit cards ), I understand that I am not responsible for unauthorized use if reported promptly. The bank failed to properly investigate, issue provisional credit within the required timeframe, or protect me from further harm. 

I am requesting that the CFPB ensure the bank fulfills its legal obligations by investigating the fraud, reversing the unauthorized charges, refunding any related overdraft fees, and restoring my account status.

Company response to consumer: Closed with explanation