vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX department is reporting that I have a student loan balance that is delinquent to all XXXX credit bureaus. 
I have never been to college or trade school. I have not opened any student loans. 

I have reported this with the credit bureaus and also with the federal Trade commission and the police someone has use my identity to go to school or this loan belongs to someone else. 

XXXX, Experian, XXXX XXXX XXXX have all failed to investigate this matter for months now. I am forced to file suit against these companies if nothing is done and the incorrect accounts are not 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 2025-08-28 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:
XXXX, XXXX XXXX XXXX XXXX XXXX department is reporting that I have a student loan balance that is delinquent to all XXXX credit bureaus. 
I have never been to college or trade school. I have not opened any student loans. 

I have reported this with the credit bureaus and also with the federal Trade commission and the police someone has use my identity to go to school or this loan belongs to someone else. 

XXXX XXXX XXXX & Transunion have all failed to investigate this matter for months now. I am forced to file suit against these companies if nothing is done and the incorrect accounts are not 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax keeps on telling me my information is verified with no details like requested by law. This is the third time. Now if they just say verified with no details they will be in a court house charged {$1000.00} per violation plus damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/25 I am filing this report due to unfair treatment by synchrony bank. Despite maintaining great payment history, synchrony has repeatedly, and without warning, lowered my credit limits. This has directly damaged my credit score by increasing my credit utilization ratio, even though my balances have not changed. Synchrony has a known pattern of this practice, sometimes referred to as balance chasing. This behavior is harmful to consumers who are responsibly managing their accounts. I rely on stable credit limits to maintain healthy credit, and these sudden reductions have caused unnecessary financial stress and a decline in my credit score. I am requesting that synchrony, restore my original credit limits and discontinue this practice of lowering limits without proper notice or cause. This was done to my XXXX XXXX account which I currently still have. This was also done to my XXXX XXXX credit card and was forced to close it because of this unfair practice of synchrony bank.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
Had several accounts opened by someone who stole my idenity and opened accounts credit cards and checking accounts. Person was caught and prosecuted and is in XXXX for XXXX counts I sent courts orders nd conviction of the person who plead guilty to, at my own expense to the original debtors and to collections agencys Ive disputed to the best of my ability with XXXX credit bureaus. Ive requested debt validation showing signature. I was even willing to pay and settle the debt whichs only about XXXX $ if they would provide a letter saying they would remove it they have not responded its always seems o be foreign call centers because the people XXXX phones dont speak XXXX very well. Jeffrson capital and XXXX XXXX and XXXX XXXXXXXX all call XXXX to XXXX times a day threatening me Case # for the person convicted of the identy theft on me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am unaware of this debt, I didn't have the opportunity to dispute this information, If in fact you believe you gave me proper notification, then please send me the certified receipt with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
Experian is reporting inaccurate late-payment information on my credit report for the following account : Creditor : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/year> Experian claims that I was late in certain months ; however, these late payments never occurred. I formally disputed this information and requested a reinvestigation under the Fair Credit Reporting Act ( FCRA 1681i ). Despite my dispute, Experian continues to report this derogatory information without providing any verified documentation to substantiate the late payments. 

This is a clear violation of the FCRA. Under 1681i, Experian is required to conduct a reasonable reinvestigation. Under 1681s-2 ( b ), the furnisher ( XXXX XXXX XXXX XXXX is required to ensure the accuracy of the information reported. Experian has failed to comply with both obligations by continuing to publish unverified, inaccurate data that is damaging my credit standing.

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 2025-08-28 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: KY

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts are being reported on my consumer credit file that do not belong to me. Despite providing an FTC Identity Theft Report and supporting documents to the credit reporting agencies, they have failed to block the fraudulent accounts within the time required by law. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} collection account ( Experian & TransUnion, opened XX/XX/XXXX ). 
XXXX XXXX  {$9200.00} charged-off revolving account ( Experian, Equifax, TransUnion, XXXX XX/XX/XXXX, closed XX/XX/XXXX ). 
XXXX XXXX  {$340.00} charged-off secured account ( Experian, Equifax, TransUnion, XXXX XX/XX/XXXX, closed XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX {$63.00} collection account ( Equifax, opened XX/XX/XXXX ). 

I never applied for or authorized these accounts. My personal information was compromised in major data breaches, including the XXXX Equifax breach ( XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX  ) and the XX/XX/XXXX global password breach ( XXXX XXXX credentials exposed worldwide ). 

On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( Report # XXXX ) through IdentityTheft.gov. I also submitted proof of my identity, address, and a list of fraudulent accounts to the CRAs.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), CRAs are required to block identity theft-related information within four ( 4 ) business days of receiving an identity theft report and proper identification. The CRAs have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I do not recognized the address please removed them form my credit report. Thank you. 

XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA 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 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the inclusion of a fraudulent account on my credit report. I did not authorize, open, or maintain this account, and its reporting is inaccurate. Its presence is harming my credit profile and misrepresenting my financial responsibility.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I used Cash App to send {$330.00} to an individual for the purchase of two tickets to the XXXX XXXX XXXX XXXX concert. I paid the remainder in cash. When I arrived at the event, the tickets were flagged as fraudulent/invalid and I was denied entry. I have attached a screenshot of the ticket provided, which displayed the message Screenshots wont get you in. 

I immediately contacted Cash App, submitted screenshots of the payment, messages with the seller, and proof the tickets were invalid. Instead of assisting me, Cash App failed to resolve the dispute. Even more concerning, my Cash App transaction history now inaccurately reflects the {$330.00} payment as {$0.00} ( showing only a refund request ). This misrepresentation directly conflicts with my bank statement, which clearly shows a {$330.00} debit to Cash App on XX/XX/year>. 

Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ), Cash App is required to : Investigate unauthorized or fraudulent electronic fund transfers within 10 business days, and Provide a provisional credit if more time is needed. 

Cash App did not provide a proper investigation or refund as required. By allowing fraudulent transactions to go unresolved and by misrepresenting my transaction records, Cash App is engaging in unfair and deceptive practices in violation of the XXXX XXXX authority ( Unfair, Deceptive, or Abusive Acts or Practices ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Dear Portfolio recovery associates I am writing in response to a ( call / letter / email ) received on XX/XX/year> regarding an alleged debt plea. 
Under the FDCPA, i have the right to requested the following information ; XXXX. The amount of the alleged debt plea ; XXXX. The name of the original creditor ; XXXX. A detailed explanation or documentation showing that I am legally obligated to pay this debt XXXX. A copy of any judgement ( applicable ) XXXX. Proof that your agency is licensed to collected debts in my state. Please treat this a letter as a formal requested to cease all collection activities until the requested validation is. If you unable to validate the debt, please notify all credit bureau to which you may have reported it and This is not a refusal to pay, but a request for validation.be advised that any further attempts to collect this debt Thanks for your cooperation XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted my bank XX/XX/XXXX to tell them that my car insurance was going to be coming out earlier than expected for {$90.00} something and they told me that it shouldn't be an issue and to call when it's posted which I did then they refused to do anything, refused to let me talk to anyone but there immediate supervisor.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX, XXXX - XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX XXXX , which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifax 's refusal to act constitutes a violation of 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me XXXX XXXX wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/scrub> 2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-28 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: NC

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Amount : {$410.00XXXX XXXX Date of Account : XX/XX/XXXX * Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * Amount : {$170.00} * Date of Account : XX/XX/XXXX * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account XXXX * Amount : {$2700.00} * Date of XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-08-28 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation