vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX to my membership and paid {$50.00} for annual membership Not sure if date saw that I had a charge from synchrony bank for {$50.00} for membership. Called bank and explained that I had paid cash for membership at XXXX XXXX and that I had a receipt indicating such XX/XX/year> correspondence from synchrony bank requesting documentation of payment I submitted a copy of my cash register receipt Sometime in XXXX I went to the customer service desk at XXXX XXXX making an effort to correct the problem. These people had no clue. Said everything was fine there XX/XX/year> request from synchrony bank requesting copies of my bank statement, copies of my canceled check and a copy of the cash register receipt I returned a copy of their letter and another copy of the cash register receipt with the word cash tended circled XX/XX/year> sent letter to XXXX XXXX XXXX XXXX XXXX describing my situation along with all my documentation and asked for his help in resolving my problem no response XX/XX/year> letter to XXXX XXXX XXXX Synchrony describing my situation along with all documentation no response XX/XX/year> received email from Synchrony Bank saying that they could find no evidence of payment and therefore the charge on my account would remain open

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 monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
this issue was already addressed with XXXX XXXX. accounts were opened fraudulently & do not belong to me. police reports were made and they are investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Specifically the following accounts have been fraduently opened in my name : XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending XXXX XXXX XXXX Absolute Resolutions - Account ending XXXX The accounts were opened without my authorization or knowledge. I have repeatedly disputed these fradulent entities with the three major credit reporting Bureaus - Equifax, Experian and TransUnion. Despite providing detailed explanation and relevant documentation, including proof if identity and statements declaring these accounts as fradulent, the credir bureaus continue to report thr accounts as valid and verified. Additionally I have made several attempts to contact the original creditors directly to resolve this matter. Unfortunately my efforts have been met with little to no response and I have not been able to reach a resolution with any of them. I am requesting the FTC and CFPB assistance in investigating this matter. The inaction of both the credit bureaus and the creditors is not only damaging to my credit standing but is also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Company continues to furnish inaccurate and incorrect information to my report. Company has been sent notarized documentation of the correct status & history on this account, yet they still continue to furnish the incorrect information onto my report. 

Account : XXXX XXXX XXXX Acct # : 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 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
I have one loan listed at MOHELA, which is accurate. It shows up as 2 loans, for the one subsidized balance and one unsubsidized balance. All of that is correct - as all of my loans were consolidated. 

At Federal Student Aid- they show that I still have loan # XXXX, XXXX, XXXX, XXXX and XXXX. They will not process PSLF because of the inaccurate information of XXXX, XXXX, and XXXX on their system. When I asked about the status of the PSLF I qualify for ( 120 payments ), they say that they aren't doing it yet because of the balances on loans XXXX, XXXX, and XXXX. Those loans do not exist! I have reached out to ask them to remove those loans from their system and they are ignoring me. 

I have attached the Federal Student Aid screen print that shows they are retaining paid off loans XXXX, XXXX, and XXXX on their system, which holds up the processing of PSLF ( that I qualify for at this point in time ). It also shows that MOHELA is the only servicer. It also shows that there is only the one consolidation loan ( split into sub & unsub ).

MOHELA has no control over Federal Student Aid so they can not fix this. The Ombudsman phone line that Federal Student Aid used to have available is now defunct. There is no help there for someone like me. 

Thanks, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit report is showing the wrong date of opening of my 1st XXXX XXXX XXXXXXXX Checking account which I opened XX/XX/year>2007 which I opened in XXXX XXXX AZ. I moved to California and opened a 2nd XXXX XXXX XXXXXXXX Checking account in XXXX CA & I believe it has the opening date of this account. But I have had a XXXX XXXX XXXXXXXX Checking account since 2007 with no issues & payments made on my XXXX  XXXX XXXX XXXX XXXX with no issues. Please can you fix the date of my original opening of my account with XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Specifically the following accounts have been fraduently opened in my name : XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending XXXX XXXX XXXX Absolute Resolutions - Account ending XXXX The accounts were opened without my authorization or knowledge. I have repeatedly disputed these fradulent entities with the three major credit reporting Bureaus - Equifax, Experian and TransUnion. Despite providing detailed explanation and relevant documentation, including proof if identity and statements declaring these accounts as fradulent, the credir bureaus continue to report thr accounts as valid and verified. Additionally I have made several attempts to contact the original creditors directly to resolve this matter. Unfortunately my efforts have been met with little to no response and I have not been able to reach a resolution with any of them. I am requesting the FTC and CFPB assistance in investigating this matter. The inaction of both the credit bureaus and the creditors is not only damaging to my credit standing but is also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Specifically the following accounts have been fraduently opened in my name : XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending XXXX XXXX XXXX Absolute Resolutions - Account ending XXXX The accounts were opened without my authorization or knowledge. I have repeatedly disputed these fradulent entities with the three major credit reporting Bureaus - Equifax, Experian and TransUnion. Despite providing detailed explanation and relevant documentation, including proof if identity and statements declaring these accounts as fradulent, the credir bureaus continue to report thr accounts as valid and verified. Additionally I have made several attempts to contact the original creditors directly to resolve this matter. Unfortunately my efforts have been met with little to no response and I have not been able to reach a resolution with any of them. I am requesting the FTC and CFPB assistance in investigating this matter. The inaction of both the credit bureaus and the creditors is not only damaging to my credit standing but is also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account global lending service, has violated my rights, reporting 3 late payment, For XXXX, XXXX and XXXX on my credit report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank is reporting late payments on my credit report and the account has been closed.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
6th Notice XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Good day, My name is XXXX XXXX XXXX XXXX and I am disputing/disagreeing with all negative items listed on my credit report. I have spoken to two separate customer service representatives/individuals in the weeks of XX/XX/XXXX and XX/XX/XXXX. I have disputed several items ; credit cards, charge-offs and personal loans hard and soft inquiries which do not belong to me, nor have I given my consent to anyone to open accounts in my name. I understand that there is/was a Security Breach, via Equifax, and now someone is using my Identity by Theft.

There are several inaccurate and negative items listed on my credit report, incorrect name, inaccurate addresses, telephone numbers, and employment. Listed below are the accurate/negative items of creditors, that needs to be deleted : All Hard and Soft Inquires. 
XXXX, XXXX, & XXXX ( XXXX XXXX XXXX ) - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - {$940.00} XXXX XXXX XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  - {$1500.00} XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15.U.S.C.6802 ; 15.U.S.C1681 ( 4 ) ; 15. U.S.C. 1681B2 ; 15. U.S.C.16881B2, these are not my accounts, nor hard/soft inquires and I did not authorize anyone to open accounts in my name. I want all negative items listed deleted : charge-offs, collections, soft and hard inquiries removed from my report.

Also, my name is incorrect : This is my correct/legal Name : my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my correct address for 10 /Yrs : - XXXX XXXX XXXX - XXXX, NC XXXX This is my correct telephone number : - XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Thank you in advance for your immediate attention 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 2025-05-18 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: NY

Complaint narrative:
I am submitting this statement in connection with an identity theft incident involving unauthorized credit card accounts fraudulently opened in my name. 
I did not authorize or open the credit card account ( s ) in question, nor have I ever had any knowledge, control, or benefit from the use of these accounts. I believe that my personal information was used without my permission to commit identity theft. As a result, I am requesting the immediate blocking or removal of all related credit card accounts and inquiries from my credit file, in accordance with 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ).

Under this federal law, I have the right to request that credit reporting agencies block any information that appears on my report as a result of identity theft, including fraudulent credit accounts. 

I am a victim of identity theft. There are two auto loans on my credit report that I did not apply for, authorize, or use. These accounts are fraudulent and do not belong to me.

In accordance with 15 U.S. Code 1681c2 ( Section 605B of the Fair Credit Reporting Act ), I am requesting that these fraudulent accounts be blocked or removed Bankruptcy A XXXX  XXXX bankruptcy ( Ref # : XXXX ) filed on XX/XX/year>, was added to my credit report. I never filed for bankruptcy and do not recognize this record. I believe this is an error or due to mistaken identity. 
I am requesting this information be blocked and removed under FCRA 605B, which provides the right to block fraudulent or inaccurate items from credit reports resulting from identity theft or misuse. 
Please assist in initiating this correction with the credit bureaus.

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