vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
Regarding the fraudulent transactions, the initial incident involved unauthorized use of my JCPenney credit card in XXXX, totaling {$5100.00}. Despite retaining possession of the card, I was unaware of the fraudulent activity until XXXX, when a significant portion of my salary, specifically {$2500.00}, was deducted to cover a portion of the charges. Subsequently, on XX/XX/XXXX, a {$29.00} transaction appeared on my XXXX XXXX XXXXXXXX checking account, attributed to XXXX XXXX for a purchase at XXXX XXXX. Further fraudulent activity occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, involving my XXXX XXXX card, which I also possessed. Consequently, I promptly closed both my XXXX XXXX and JCPenney accounts. Despite these actions, attempts were made to open XXXX and XXXX XXXX credit cards in my name, and although I did not activate the cards, unauthorized purchases were still made. I disputed these charges, but a subsequent attempt was made to use my XXXX XXXX card, resulting in a fraudulent purchase.

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 2025-08-10 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: TN

Complaint narrative:
b'I am disputing a XXXX XXXX XXXX account appearing on my Experian credit report that does not belong to me. I previously sent Experian a dispute letter via certified mail (Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX requesting deletion of this account under the Fair Credit Reporting Act (FCRA)  609(e) and 611, as it appears to be the result of identity theft and/or inaccurate reporting. Experians reinvestigation results did not provide the original application, signature, or account-opening documents, which I specifically requested.\n\nThe account in question was reported during or after a known XXXX XXXX XXXX  data breach. I have no record of ever opening or authorizing this account. I also have no contractual obligation to XXXX XXXX XXXX\n\nAdditionally, Experian has previously reported multiple incorrect variations of my name, which have since been removed. I believe this disputed account may have been associated with one of those inaccurate name variations, further supporting that it is not mine.\n\nI am requesting the immediate and permanent deletion of this account from my Experian credit report and confirmation in writing that it has been 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 2025-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debois, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, * RE : Dispute of Inaccurate Credit Reporting Account XXXX XXXXXXXX ( DEBOIS INC. DBA DBS FINANC ) I am writing to formally dispute the inaccurate information being reported on my credit file in connection with the account listed above. This account, reported by DEBOIS INC. DBA DBS FINANC , shows a balance of {$20000.00} and was reportedly added to my credit profile on or around XX/XX/year>2025. I am requesting immediate investigation and removal of this tradeline under my rights afforded by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This account is the result of identity theft, and I did not authorize or open any account with this company. My personal information was compromised in a recent data breach, and I am a verified victim of identity theft. This has led to fraudulent activity being reported under my name and Social Security number. 

As a consumer, I am asserting my rights under : FCRA XXXX5 U.S. Code 1681i Your obligation to conduct a reasonable reinvestigation of disputed information.

FCRA 15 U.S. Code 1681c-2 Blocking of information resulting from identity theft.

FDCPA 15 U.S. Code 1692g Request for validation of debt.

I demand the following : Immediate deletion of the account from all credit reporting agencies ( XXXX XXXX XXXX ). 

A copy of any documentation you have on file that allegedly links me to this account.

A full investigation conducted within the required 30-day timeframe as mandated by the FCRA.

Written confirmation that the account has been removed or verified.

If you fail to respond appropriately or continue to report inaccurate information, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office.

Please consider this letter as a formal notice to cease any collection activity until the matter is resolved and fully investigated. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, is a debt collector. Our client XXXX XXXX XXXX placed the consumer 's account with our agency on XX/XX/year>. A validation notice was sent to the consumer on XX/XX/year>. This notice was not returned to our company as undeliverable. As a courtesy, we have closed this account and returned it to our client. If any adverse information has been reported to the credit reporting agencies, we will request it be removed with our next update. Should the consumer require further assistance, they are welcome to contact XXXX XXXX, our

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NC

Complaint narrative:
NOTICE OF DISPUTE Pursuant to 15 U.S.C. 1681i Date : XX/XX/year> To : XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX Re : Dispute of Inaccurate Credit In

formation This letter is a formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Upon reviewing my credit report provided by your agency, I have identified the following item ( s ) as inaccurate and/or incomplete : Creditor/Account Name : self financial lead Account Number : XXXX Reason for Dispute : paid, closed/ never late Action Requested : Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of the disputed item ( s ) within 30 days of receiving this notice and to promptly delete or correct any information found to be inaccurate or unverifiable.

Please provide : Written confirmation of the results of your reinvestigation. 
An updated copy of my credit report reflecting any changes made. 
The name, address, and telephone number of any furnisher of information contacted in connection with this dispute. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill or similar ) Copy of relevant pages of my credit report with disputed item ( s ) highlighted Any supporting documentation relevant to the dispute Failure to comply with the FCRA may result in legal action to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX ( via consumerfinance.gov portal ) Re : Complaint Against Experian for Inaccurate Reporting of XXXX XXXX Account # XXXX I am filing a complaint against Experian for inaccurately reporting information on my XXXX XXXX account XXXX XXXX on my credit report dated XX/XX/XXXX, and potentially tXXXX XXXX. I filed FTC Complaint # XXXX on XX/XX/XXXX. XXXX XXXX letter dated XXXX verified the data as accurate, but errors persist, violating FCRA. Despite over XXXX disputes since XXXX, Experian has failed to correct these errors, breaching its duties under the Fair Credit Reporting Act ( FCRA ) and Florida Consumer Collection Practices Act ( FCCPA ). 

Inaccuracies include : - Status updated XX/XX/XXXX, but charge-off/balance XX/XX/XXXX, XXXX, suggesting re-aging. 
- Last payment XX/XX/XXXX, but 30-day latecontradictory. 
- No 180-day late, skipping required progression. 
- " No data '' XXXX XXXX, should show 180-day late/charge-off. 
- Charge-off monthly XXXX XXXX XXXX repetition. 

These errors have caused significant harm : a XXXX FICO score, credit denials, $ XXXX costs ( e.g., credit monitoring ), and emotional distress ( XXXX  ). Experians failure to investigate or delete unverifiable data violates FCRA XXXX ( b ), XXXX ( a ) ( XXXX XXXX XXXX XXXX ). I am mailing a dispute to Experian on XX/XX/XXXX. Please enforce compliance. 

Attachments ( via portal ) : Drivers license, social security card, proof of address, Experian report pages, XXXX XXXX letter dated 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 2025-08-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-10 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: FL

Complaint narrative:
I am submitting this formal complaint against credit bureau for reporting inaccurate information to the credit reporting agencies, specifically a late payment entry that does not reflect my actual payment history. 
Details of the inaccurate information : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> I have always paid my account on time. This means the reported late payment is factually false. 
Under the Fair Credit Reporting Act ( FCRA ) : XXXX ( a ) ( XXXX ) ( A ) prohibits a furnisher from reporting information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX requires a reasonable reinvestigation of disputed information, and if the furnisher can not verify the accuracy, the information must be deleted from the credit file. 
I have already disputed this matter directly with both the creditor and the credit reporting agencies, providing copies of my payment statement and confirmation. Despite this, the creditor failed to provide any documentary evidence proving that my payment was late, yet continues to furnish this inaccurate information. 
I request that the CFPB : Require credit bureau delete the inaccurate entry from all credit reporting agencies in compliance with FCRA XXXX and XXXX. 
Ensure that my credit reports are updated to reflect an unbroken record of on-time payments. 
The continued reporting of inaccurate information is causing significant harm to my creditworthiness, lowering my credit score, and impacting my ability to obtain credit at favorable terms. This constitutes a clear violation of federal law and requires urgent corrective action.

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 2025-08-10 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: FL

Complaint narrative:
I am submitting this formal complaint against credit bureau for reporting inaccurate information to the credit reporting agencies, specifically a late payment entry that does not reflect my actual payment history. 
Details of the inaccurate information : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> I have always paid my account on time. This means the reported late payment is factually false. 
Under the Fair Credit Reporting Act ( FCRA ) : XXXX ( a ) ( XXXX ) ( A ) prohibits a furnisher from reporting information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX requires a reasonable reinvestigation of disputed information, and if the furnisher can not verify the accuracy, the information must be deleted from the credit file. 
I have already disputed this matter directly with both the creditor and the credit reporting agencies, providing copies of my payment statement and confirmation. Despite this, the creditor failed to provide any documentary evidence proving that my payment was late, yet continues to furnish this inaccurate information. 
I request that the CFPB : Require credit bureau delete the inaccurate entry from all credit reporting agencies in compliance with FCRA XXXX and XXXX. 
Ensure that my credit reports are updated to reflect an unbroken record of on-time payments. 
The continued reporting of inaccurate information is causing significant harm to my creditworthiness, lowering my credit score, and impacting my ability to obtain credit at favorable terms. This constitutes a clear violation of federal law and requires urgent corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I disputed this account with all credit reporting agencies because this original account was closed & reaged on my credit report by southwest sytems inc. The account was verified without me receiving the proper documentation showing the original contract with my signature & open date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Improper information was/is being reported on my consumer report. As a result of a thorough investigation into my report I sent letters to each individual credit reporting agency ( Experian, Equifax, and Transunion ) requesting a thorough investigation on their behalf into my consumer report, per 15 USC 1681i using the guidelines outlined by both the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g within 30 days of notice, which was in XXXX XXXX XXXX. I never received any correspondence about any investigation and/or the results that would have come about.

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 2025-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Over the last month I have been assured by their customer service agents on the phone that my account would be closed. It has not been closed. 

I called and spoke to them on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Each time that I speak to someone, my account is still open. Im on the phone for at least 10 minutes with someone trying to convince me not to close it and then when they finally say they can close it for me and assure that I dont need to take further action They dont actually close it. 

I dont know how I can close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint against credit bureau for reporting inaccurate information to the credit reporting agencies, specifically a late payment entry that does not reflect my actual payment history. 
Details of the inaccurate information : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> I have always paid my account on time. This means the reported late payment is factually false. 
Under the Fair Credit Reporting Act ( FCRA ) : XXXX ( a ) ( XXXX ) ( A ) prohibits a furnisher from reporting information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX requires a reasonable reinvestigation of disputed information, and if the furnisher can not verify the accuracy, the information must be deleted from the credit file. 
I have already disputed this matter directly with both the creditor and the credit reporting agencies, providing copies of my payment statement and confirmation. Despite this, the creditor failed to provide any documentary evidence proving that my payment was late, yet continues to furnish this inaccurate information. 
I request that the CFPB : Require credit bureau delete the inaccurate entry from all credit reporting agencies in compliance with FCRA XXXX and XXXX. 
Ensure that my credit reports are updated to reflect an unbroken record of on-time payments. 
The continued reporting of inaccurate information is causing significant harm to my creditworthiness, lowering my credit score, and impacting my ability to obtain credit at favorable terms. This constitutes a clear violation of federal law and requires urgent corrective action.

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am formally disputing the alleged debt that Online Information Services is reporting in my name. I have not received any written notice of this debt within five ( 5 ) days of your initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This is a direct violation of federal law.

In compliance with the FDCPA, I demand that you provide : Full name and address of the original creditor.

A copy of the original contract or agreement, bearing my signature.

A complete and unbroken chain of title, including notarized assignments and any transfers from the original creditor to Online Information Services. 

The XXXX XXXX XXXX governing the sale or transfer of the alleged account. 

Proof that Online Information Services has legal standing to collect this debt. 

A detailed, itemized accounting of the amount claimed, including principal, interest, fees, and other charges. 

Case law such as XXXX v. XXXX XXXX XXXX XXXX. Co. ( XXXX XXXX XXXX. XXXX XXXX ), XXXX v. XXXX  ( XXXX XXXX XXXX ), and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) confirms that proper documentation is required to prove ownership and the right to collect. 

Until this documentation is provided and verified, you must immediately cease all collection activity and remove any negative tradelines related to this account, pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

Failure to comply will result in legal action, including claims for statutory and actual damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and applicable state laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 : XX/XX/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 personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$3300.00} 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