vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank closed all of my accounts, there were no missed payments and all of my balances were paid in full every month. I called and was told I needed to send information to verify my identity, before I could send any information they closed all of my accounts.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
RE : Request for Debt Validation and Immediate Deletion from Credit Report To Whom It May Concern, This letter is in response to a debt listed on my credit report with your companys name. I am formally requesting a complete validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ). Please provide the following information : The original creditors name, address, and account number. The original amount of the debt and any interest, fees, or charges added. A full accounting of how the amount was calculated. A copy of the signed contract or agreement bearing my signature. Proof that your agency is authorized to collect this debt in my state. A copy of any judgment, if applicable. A copy of the notice sent to me as required under the FDCPA.

Until you can provide all of the above, I request the following : Cease all collection activities, including calls, letters, and reporting to the credit bureaus. Immediately remove this account from my credit report with XXXX XXXX XXXX XXXX as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) if it is not verified. If you are unable to fully validate this debt, I expect your agency to immediately delete the tradeline associated with this account from all consumer reporting agencies. Reporting unverifiable or inaccurate information violates the FCRA and FDCPA and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). This is not a refusal to pay but a request for validation. Any further action without proper validation will be considered a willful violation of federal law and my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CO

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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MOHELA
State: AK

Complaint narrative:
I discovered errors in my student loan account, which is serviced by MOHELA. I have been making consistent payments under [ specify your repayment plan, for example : Income-Driven Repayme

nt ( IDR ) or Standard Repayment ], but MOHELA has failed to apply these payments correctly and has not accurately counted my qualifying payments toward Public Service Loan Forgiveness ( PSLF ). I contacted MOHELA multiple times by phone and email to request a correction. Each time, I received different or incorrect information. At one point, my account
was placed into forbearance without my request, which caused additional interest to accrue and delayed my progress toward forgiveness.

I also submitted my PSLF Employment Certification Forms, but MOHELA did not process them properly. My qualifying payment count remains incorrect, and my account history now shows inaccurate information.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
RE : Request for Debt Validation and Immediate Deletion from Credit Report Dear Online Collections G or To Whom It May Concern, This letter is in response to a debt listed on my credit report with your companys name. I am formally requesting a complete validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ).

Please provide the following information : The original creditors name, address, and account number. The original amount of the debt and any interest, fees, or charges added. A full accounting of how the amount was calculated. A copy of the signed contract or agreement bearing my signature. Proof that your agency is authorized to collect this debt in my state. A copy of any judgment, if applicable. A copy of the notice sent to me as required under the FDCPA. Until you can provide all of the above, I request the following : Cease all collection activities, including calls, letters, and reporting to the credit bureaus. Immediately remove this account from my credit report with XXXX XXXX XXXX XXXX as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) if it is not verified. If you are unable to fully validate this debt, I expect your agency to immediately delete the tradeline associated with this account from all consumer reporting agencies. Reporting unverifiable or inaccurate information violates the FCRA and FDCPA and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). This is not a refusal to pay but a request for validation.

Any further action without proper validation will be considered a willful violation of federal law and my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX my Citibank checking and savings accounts were frozen without any reasoning behind it I called the bank to find out the issue and they told me that my account has been closed due to potential fraud, but they couldn't elaborate on the matter and I still had {$1000.00} in my savings account that i am unable to access due to 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 explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-07-13 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: VA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened two business credit cards with Chase under my XXXX, XXXX XXXX XXXX XXXX, XXXX. These cards were for business use only. Upon the new administration, our business was forced into closure. Recently, Chase reclassified the accounts as flexible spending accounts without my knowledge or consent and reported it to my credit report.

The reclassification has severely damaged my credit score. I have requested documentation from Chase proving I consented to this change ( I did not, to my knowledge ) and/or guaranteed the debt personally, but I have not received any documentation to support it.

I am requesting that the JP Morgan Chase accounts ending in XXXX & XXXX be removed from my credit report and that Chase provide full documentation of any change in account status or liability status. In addition, these actions have caused XXXX XXXX to close my account _ I request that it also be removed from my credit report. 

Chase has not acted in good faith at all. Terms and documentation have been requested and have not been received to date, despite being past the requested time, which is now 17 days overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am 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 - Date Opened XX/XX/XXXXXXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX 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 UNAUTHORIZED INQUIRIES 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 XXXXXX/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 2025-07-13 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:
XXXX XXXX XXXX bought an account with my name attached to it. I had been paying while under the impression this was my account. Being a victim of fraud and having fraudulent accounts setup in my name before, I asked the company to provide me with contractual information including my signature stating I opened and authorized this account. Instead, XXXX XXXX XXXX sent me pages of information regarding how they acquired my he account. The company had no detailed contractual agreement between me and any other party. There were no documents bearing my name or signature. While disputing the validity of the account, the company broke the law by reporting the account as late to the credit reporting bureaus. I stand firm in saying this is a fraudulent account setup using stolen personal information. This account is being disputed under the FCRA. I am demanding to be released from any obligation whatsoever involving this account and company. My police report outlines the same 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Account checking opened in my name without consent.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: NJ

Complaint narrative:
In XX/XX/XXXX, a collection account from LJ Ross Associates was added to my credit report with multiple serious inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), resulting in severe harm to my credit profile and financial standing. This collection stems from a pandemic-period utility account tied to my former residence. My final payment to XXXX XXXX XXXX was made on XX/XX/XXXX, and the account became delinquent shortly thereafter during a time when New Jersey had COVID-19 utility shutoff protections in place. The debt was later sold or transferred without proper notice or validation. 

However, LJ Ross reported this collection as opened in XX/XX/XXXXXXXX  a false date that resets the aging of the debt and illegally extends the reporting period far beyond what the FCRA allows. The account is now showing as on file until XX/XX/XXXX, despite the fact that the seven-year reporting window should begin from the original delinquency in XXXX. 

In addition to the illegal re-aging, the tradeline includes several other deceptive or inaccurate elements. It shows only one month of delinquency ( XX/XX/XXXXXXXX  ), falsely suggesting a recent default. It is misclassified as having 1-month terms, which is inaccurate for a utility debt. The account was removed and then reappeared in a different format, interfering with my ability to track and interpret it. During this same time, my legal name, XXXX XXXX XXXX, was suddenly and inexplicably removed from my XXXX  file without any request or authorization despite that being my legal name for over 22 years. 

As a result of this inaccurate reporting, my FICO score dropped from XXXX to XXXX. Other scoring models also dropped. The only factor that mitigated the damage was the recent approval of a XXXX XXXX credit card. This helped stabilize the scores slightly, but the drop was still devastating and unearned. 

I actively monitor my credit through platforms like XXXX and XXXX, but the alerts I received were vague and failed to clearly flag this as a new collection. As a result, my response to this matter was delayed. I sent a formal debt validation letter to LJ Ross and disputed the account with the credit bureaus. As of this filing, the issues remain unresolved. I request immediate investigation and deletion or full correction of this re-aged and inaccurately reported tradeline, the restoration of my legal name, and full compliance with all FCRA requirements. 

This complaint does not constitute an admission of liability or acknowledgment of any alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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 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 2025-07-13 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 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 XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am being charged interest on a cash advance that I never authorized and that Discover can not substantiate. Despite multiple attempts to resolve this with Discover, they have provided no documentation to support the origin of this charge and continue to bill me for it.I have been paying interest on what appears to be a cash advance charge dating back to at least XXXX. I did not request or receive any cash advance during that time, and after a recent review of my statements, I found no record of any such transaction. 
I contacted Discover, but their customer service representatives informed me that they do not retain records beyond seven years, and therefore can not identify or explain the origin of this charge. However, I have reviewed my own records and found several inconsistencies, including : In XX/XX/XXXX, I made a payment of {$1400.00} to reduce my balance. 
In early XXXX, my balance was under {$250.00}. 
By XX/XX/XXXX, I saw an unexplained balance of {$1500.00}. 
I also found that payments were being made under a different account number ( ending in XXXX ), which does not belong to me. 
I filed a fraud claim with Discover, but they have not resolved the issue. They are still charging me interest on this amount, and they can not identify or produce any transaction history or legitimate explanation for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 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:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.   \n\nFRAUDULENT ACCOUNTS:\n\nAccount 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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