vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : 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 2025-08-06 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: CT

Complaint narrative:
I am writing to formally report a deeply concerning issue regarding identity theft. I recently obtained a copy of my credit report and discovered multiple accounts and credit inquiries that I never authorized, applied for, or opened. This is a serious violation of my personal information and privacy, and I am extremely distressed by the implications of this discovery. 

Specifically, the following accounts appear under my name without my knowledge or consent : XXXX XXXX XXXX XXXX Account type : Mortgage account Account number : XXXX Date opened : XX/XX/XXXX Balance : {$510000.00} I have never applied for or taken out a mortgage with this company. I have no affiliation or connection to XXXXXXXX XXXX 

XXXX XXXX XXXX  Account type : Credit card Account number : XXXX Date opened : XX/XX/XXXX Balance : {$140.00} I have never applied for a credit card with XXXX XXXX  This account is unauthorized and must be investigated. 

Additionally, I noticed the following unauthorized inquiries on my Equifax report, which further indicate suspicious activity tied to my identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I want to make it unequivocally clear that I did not initiate or approve any of these inquiries. The presence of these accounts and credit requests strongly indicates that my personal information has been compromised and is being used fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
This complaint is in reference to a false late payment that is harming my credit profile. I did not miss any payments during the reported period, and this entry is a mistake.

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 2025-08-06 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$4400.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am submitting this complaint because the collection agency, Synergetic Communication, has reported a debt to the credit bureaus without first providing me with the required written validation notice. It is my understanding that under the Fair Debt Collection Practices Act ( FDCPA ), collectors must provide written notice within 5 days of first contact, including the amount owed, the name of the original creditor, and my right to dispute the debt. I have never received any such notice from this agency. 

I have never been contacted by this agency by phone, email, or mail regarding any matter. When I spoke with an agent yesterday, they were unable to verify my address or phone number, which suggests that this information is not on file with them. 

The collection account appeared on my credit report on XX/XX/year> without warning, and I have not been given a fair opportunity to validate or dispute the debt of {$27000.00}. Additionally, this debt is already listed on my credit report under the original auto loan creditor XXXX XXXX XXXX  ) with a similar balance. This may result in misleading and duplicative reporting of the same obligation. 

I am requesting the CFPB to investigate this matter and require the collection agency to provide proper documentation, halt reporting until validation is provided, and remove or correct any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
This is a follow-up to my previous CFPB complaint regarding Jefferson Capital Systems XXXX While they deleted the account from my credit report, which is a positive step, it does not remove the FDCPA and FCRA violations they committed. I made a settlement offer to resolve this matter without litigation, but they have ignored it. This is their final notice they have XXXX business days to respond or I will proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
15 USC 1692C I'm refusing to pay the debt and they must cease all communication with me. 
XX/XX/scrub>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
15 USC 1692C I'm refusing to pay the debt and they must cease all communication with me.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes an account that I never opened, never consented to, and have no affiliation with. I did not apply for this account, and the company reporting it has never had my authorization to access or use my personal information. This entry is fraudulent and unjustly affecting my credit profile and causing me significant distress.

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 2025-08-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report.

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 2025-08-06 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:
Im very concerned to see that the inaccurate accounts are still present on my credit report, and no action appears to have been taken to remove them. This situation has gone on far too long. I urge you to carefully review the documents Ive attached so this matter can finally be resolved and I can stop dealing with the ongoing stress this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$18000.00}

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 2025-08-06 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I purchased XXXX XXXX XXXX from XXXX via this credit card. This credit card is to give 3 % bonus instead of the regular 1 % bonus on the purchase of these tickets. In addition, these tickets should qualify for 0 % financing for 6 months. This is not being reflected on my account. I attempted to contact customer service to resolve this issue. The representative gave an answer but it did not address the issue. It's like it was a canned answer where no thought was put into the answer and it has me believe the customer service agent didn't even read my message. I attempted to follow up today but I don't have high hopes on the response and the reason I am submitting this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: VA

Complaint narrative:
On XX/XX/year>, a XXXX XXXX representative visited my home to provide a solar estimate, collecting my SSN and banking information for what was described as a pre-approval process. I cancelled all dealings the next morning, which they confirmed and explained no actions is needed from my end. However, in XX/XX/year>, I discovered an unauthorized Mosaic loan inquiry on my credit reports ( amount of {$17000.00} ) but after contacting Mosaic, they assured me it was properly cancelled and the inquiry will disappear in 60 days due to internal processing timelines. One year later, this inquiry remains despite multiple attempts to resolve the issueXXXX XXXX XXXX and Mosaic have provided conflicting information XXXX XXXX claims it's merely a credit check kept open for potential future projects, although cancelled is being delayed by Mosaic processing time but is escalated internally, while Mosaic maintains they never received a formal loan cancellation letter from XXXX XXXX. This situation is particularly concerning as I never authorized any solar loans, there was never any solar installation project initiated, and even my family name is incorrect on their documents that is another proof of misconduct. This appears to be a clear misuse of my personal data and SSN with an unauthorized loan with due payments under my account. I demand immediate cancellation of any associated loans or applications, as I have never authorized any types of solar loan or installation with any company including XXXX XXXX or Mosaic, and this entire situation appears to be fraudulent. Please see the attached for the previous communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 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. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation