vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I went to Walgreens and asked how to apply for a DISCOUNT card. They put my information into their cash register/computer as I stood there. I was told that I just had to use my phone number to get the discounts when I make purchases in the store or online. I did not receive a physical card or other documentation. Shortly thereafter I received a denial of a " credit product '' issued by Synchrony Bank, XXXX. XXXX  XXXX, XXXX, PA XXXX. I NEVER APPLIED FOR A " CREDIT PRODUCT '' nor do I want one! According to this letter I received, my credit history was altered, and this denial was now put into my credit score. 

Clearly this is fraud. I want this removed from my credit history and this to be stopped from happening again to anyone else.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
Experian ignored letter from XXXX XXXX stating that information incorrect.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NC

Complaint narrative:
Ive been disputing this debt with XXXX XXXX for over 3 years. They claim I owe over {$3000.00}, yet have never provided proper debt validation. I have repeatedly requested an itemized receipt and a copy of the original contract or agreement. Instead, they sent a generic ledger, which does not meet the requirements under the Fair Credit Reporting Act ( FCRA ). 

Ive made it clear I want written communication only, yet they continue to call me, ignore my emails, and attempt to pressure me into verbal settlements including demanding I return the phones without legal documentation or written terms. 

This conduct has caused me severe emotional and financial distress. Im currently seeking XXXX XXXX XXXX through XXXX and have contacted my therapist for support. My ability to work, care for my family, and build my business has been impacted. Ive only been approved for a {$300.00} credit card due to the credit damage caused by this account, which is reporting to all 3 bureaus. 

I am now pursuing legal action for the emotional harm, credit damage, and violations of my consumer rights related to this unverified debt that XXXX purchased and is aggressively pursuing. 

I request that this account be immediately removed from XXXX, XXXX, and XXXX  or fully validated under 15 U.S.C. 1681g and 1681c2 within 4 business days. If not resolved, I will proceed through legal channels without further warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
After noticing that I was locked out of my account and unable to deposit checks and that my account had been closed. 

When contacting Customer Service by phone, I am directed to a person, XXXX XXXX, who wants credit card information for payment of shipping charges on some sort of promo program. 

When I refused she refused to let me talk to a banking agent to rectify the closing of my account. 

My XXXX  check will be direct deposited on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: NM

Complaint narrative:
I had filed for XXXX  XXXX bankruptcy and went to court on it in XX/XX/year> with my attorney. The case was closed and discharged on XXXX XXXX. My vehicle was listed under the XXXX  XXXX with me signing off to voluntary surrender the vehicle. Exeter Finance was supposed to come repossess the vehicle and now they are telling me they are " Abandoning Cause '' and won't repossess the vehicle and won't release the title either until the loan os paid in full but the XXXX  XXXX should have closed that loan and XXXX  it out. The vehicle does not run and I can not get rid of it without the title and there is a city ordinance here in XXXX that prohibits junk vehicles. I need help resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 








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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CREDIT COLL regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CREDIT COLL buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I have disputed multiple accounts and incorrect personal information with Experian, XXXX, and XXXX, but the credit bureaus are still reporting the same inaccurate and fraudulent items on my credit report. 

Specifically, I told them that the XXXX XXXX account and the XXXX account are not mine. I never opened those accounts. I also informed them that some addresses and name variations connected to those accounts were used as part of identity theft. 

I submitted disputes and gave notice, but they have not removed the accounts or corrected the information. The XXXX XXXX account is also showing as if its still active, even though its years old I believe they changed the dates to make it stay on my credit longer, which is wrong. 

This has hurt my credit score and affected my ability to move forward financially. Im asking the CFPB to step in and make sure the credit bureaus investigate and remove the inaccurate and fraudulent information 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 2025-05-30 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:
I have disputed multiple accounts and incorrect personal information with XXXX, Equifax, and XXXX, but the credit bureaus are still reporting the same inaccurate and fraudulent items on my credit report. 

Specifically, I told them that the XXXX XXXX account and the XXXX account are not mine. I never opened those accounts. I also informed them that some addresses and name variations connected to those accounts were used as part of identity theft. 

I submitted disputes and gave notice, but they have not removed the accounts or corrected the information. The XXXX XXXX account is also showing as if its still active, even though its years old I believe they changed the dates to make it stay on my credit longer, which is wrong. 

This has hurt my credit score and affected my ability to move forward financially. Im asking the CFPB to step in and make sure the credit bureaus investigate and remove the inaccurate and fraudulent information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I have disputed multiple accounts and incorrect personal information with XXXX, XXXX, and TransUnion, but the credit bureaus are still reporting the same inaccurate and fraudulent items on my credit report. 

Specifically, I told them that the XXXX XXXX account and the XXXX account are not mine. I never opened those accounts. I also informed them that some addresses and name variations connected to those accounts were used as part of identity theft. 

I submitted disputes and gave notice, but they have not removed the accounts or corrected the information. The XXXX XXXX account is also showing as if its still active, even though its years old I believe they changed the dates to make it stay on my credit longer, which is wrong. 

This has hurt my credit score and affected my ability to move forward financially. Im asking the CFPB to step in and make sure the credit bureaus investigate and remove the inaccurate and fraudulent information 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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint due to TransUnions refusal to investigate and respond to a legitimate dispute I filed directly, with proper documentation. 
On XX/XX/year>, I mailed a formal dispute letter to TransUnion via USPS Certified Mail ( Tracking Number : XXXX ) to request a reinvestigation into inaccurate information appearing on my credit report, specifically : XXXX  XXXX Bankruptcy ( Reference # : XXXX ) Incorrect personal information listed on my profile To fully comply with identity verification protocols, I enclosed the following documents : A government-issued photo ID, my social security card and a recent utility bill displaying my current address Despite submitting this dispute directly and with complete verification, I received a response from TransUnion dated XX/XX/year>, which stated : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response represents a clear violation of the Fair Credit Reporting Act ( FCRA ) and has caused ongoing harm to my credit standing and consumer rights. 
Under the Fair Credit Reporting Act ( FCRA ), Transunion is legally obligated to conduct a reasonable investigation and provide the consumer with the results within 30 days of receiving a valid dispute. 
By dismissing my verified dispute without conducting any reinvestigation, TransUnion has denied me my legal rights, delayed necessary corrections, and allowed harmful inaccuracies to persist, damaging my creditworthiness and ability to secure fair financial opportunities. This inaction is not a clerical oversightit is a direct violation of federal law. 
I am attaching a copy of my original dispute letter, USPS certified mail proof of delivery, and TransUnions written response to support this complaint.

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 2025-05-30 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$2000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-30 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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : 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 2025-05-30 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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : 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 2025-05-30 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-05-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Despite prior deletion of a disputed debt, XXXX, XXXX  XXXX, and XXXX XXXX XXXX continue to report inaccurate or previously removed account information on my Experian credit report, which is negatively impacting my FICO score. These accounts were either identified as fraudulent, resolved through formal dispute, or previously deleted under the protections of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, which allows for the blocking of identity theft-related or erroneous data. 

Recent credit monitoring reports indicate that these accounts have either reappeared or were never fully removed, despite compliance obligations following formal disputes. The continued reporting of these accounts misrepresents my credit history and constitutes an ongoing violation of FCRA provisions. This not only causes financial harm but also suggests potential noncompliance by both the furnishers and the credit reporting agencies. 

I am requesting a full reinvestigation and permanent removal of these accounts from all credit reporting systems. Supporting documentation, including proof of identity, previous dispute records, and police reports ( if applicable ), is available upon request. These accounts must be blocked or deleted in accordance with federal law to restore the accuracy of my credit profile.

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