vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
My society number was miss used by someone who was doing my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: WI

Complaint narrative:
On XX/XX/year> my credit was ran by syncb/sams club i called Syncb and Sam 's and both parties claim they dont see an account or no history of an account to be open i didn't not apply for a card at sams or on line and this is not inquiry

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 2025-06-14 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:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 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 XXXX XXXX XXXX  Balance {$460.00} XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX BANK NA Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX BANK XXXX XXXX XX/XX/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 2025-06-14 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:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 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 XXXX XXXX XXXX  Balance {$460.00} XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX OF XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX BANK NA Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX BANK XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies

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 2025-06-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My XXXX  XXXX credit card ( ending in XXXX ) was in good standing and active. I never submitted a fraud claim or dispute. However, a third-party credit repair company ( XXXX XXXX XXXX XXXX XXXX XXXX unauthorized fraud claim on my behalf without my consent. XXXX XXXX closed my account as a result. 

I called XXXX XXXX multiple times on XX/XX/year> ( at XXXX, XXXX, XXXX, XXXX, and XXXX EST ) to explain that I did not authorize this dispute and asked them to reverse the closure and remove any fraud flags. I was transferred to supervisors XXXX times and was repeatedly denied access to the internal records or even a basic explanation of the account closure. 

I provided XXXX XXXX with proper identity verification and submitted documentation showing : The account was in good standing. 

I made a final payment on XX/XX/year> for the full balance. 

They continued emailing me statements after the dispute was supposedly submitted. 

TransUnion confirmed that the original dispute did not come from me. 

Despite all this, XXXX XXXX refuses to reinstate the account, refuses to provide records about the closure, and has damaged my credit over a fraud report I never submitted. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

I am requesting that : XXXX XXXX reverse the inaccurate closure Remove any related fraud flags from my credit report Provide all internal documentation related to this case Notify credit bureaus that the report was made in error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sky Blue Financial Services, Inc.
State: MI

Complaint narrative:
My XXXX  XXXX credit card ( ending in XXXX ) was in good standing and active. I never submitted a fraud claim or dispute. However, a third-party credit repair company ( SkyBlue XXXX XXXX ) filed an unauthorized fraud claim on my behalf without my consent. XXXX XXXX closed my account as a result. 

I called XXXX XXXX multiple times on XXXX XXXX XXXXXX/XX/year> ( at XXXX, XXXX, XXXX, XXXX, and XXXX XXXX ) to explain that I did not authorize this dispute and asked them to reverse the closure and remove any fraud flags. I was transferred to supervisors three times and was repeatedly denied access to the internal records or even a basic explanation of the account closure. 

I provided XXXX XXXX with proper identity verification and submitted documentation showing : The account was in good standing. 

I made a final payment on XXXX XXXX XXXX for the full balance.

They continued emailing me statements after the dispute was supposedly submitted. 

XXXX confirmed that the original dispute did not come from me. 

Despite all this, XXXX XXXX refuses to reinstate the account, refuses to provide records about the closure, and has damaged my credit over a fraud report I never submitted. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

I am requesting that : XXXX XXXX reverse the inaccurate closure Remove any related fraud flags from my credit report Provide all internal documentation related to this case Notify credit bureaus that the report was made in error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My XXXX  XXXX credit card ( ending in XXXX ) was in good standing and active. I never submitted a fraud claim or dispute. However, a third-party credit repair company ( XXXX XXXX XXXX ) filed an unauthorized fraud claim on my behalf without my consent. XXXX XXXX closed my account as a result. 

I called XXXX XXXX multiple times on XXXX XXXX XXXX ( at XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX  ) to explain that I did not authorize this dispute and asked them to reverse the closure and remove any fraud flags. I was transferred to supervisors three times and was repeatedly denied access to the internal records or even a basic explanation of the account closure. 

I provided XXXX XXXX with proper identity verification and submitted documentation showing : The account was in good standing. 

I made a final payment on XXXX XXXX XXXX for the full balance. 

They continued emailing me statements after the dispute was supposedly submitted. 

XXXX confirmed that the original dispute did not come from me. 

Despite all this, XXXX XXXX refuses to reinstate the account, refuses to provide records about the closure, and has damaged my credit over a fraud report I never submitted. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

I am requesting that : XXXX XXXX reverse the inaccurate closure Remove any related fraud flags from my credit report Provide all internal documentation related to this case Notify credit bureaus that the report was made in error

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 2025-06-14 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: MD

Complaint narrative:
Payment history is being reported incorrectly inferring that there have been recent payments made on the account which makes it appear that it went into default recently instead of 12 years ago which would make the debt to old to still report on credit file.

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 2025-06-14 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: MD

Complaint narrative:
Payment history is being reported incorrectly inferring that there have been recent payments made on the account which makes it appear that it went into default recently instead of 12 years ago which would make the debt to old to still report on credit file.

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 2025-06-14 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: MD

Complaint narrative:
Payment history is being reported incorrectly inferring that there have been recent payments made on the account which makes it appear that it went into default recently instead of 12 years ago which would make the debt to old to still report on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had started contacting Portfolio Recovery Associates to explain my situation. I had left messages ... no one ever returned my calls. I finally spoke to an agen ... in the XXXX XXXX XXXX XXXX, XXXX, representing XXXX XXXX, and Portfolio Recovery Associates. The agent said he could only put me on a 6 month temporary hardshio payment t program. However, collection attempt would still be in force. As of XX/XX/year>, I made the {$50.00} payments on the first of XXXX until XX/XX/year>. 

Portfolio Recovery has file a court case against me even though I am on the temporary hardship payment plan. 
I attended XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The judge or Clerk asked the attorney about the temporary hardship payments plan, if he had or received the information. He said he tried to obtain it from the office, but he did not. I had responded to the court that I was paying. And I had not received the first two months receipts. However, I received XX/XX/XXXX to XXXX. he was fumbling around his paperwork, knowing he didn't have it. I believe he was and is trying to set me up. 

I had scheduled a XX/XX/XXXX payment. However, when another agent, said it could be extended, that inhave to have a permanent payment for XXXX for 48 months. The agent had said he canceled the XX/XX/XXXX payment due to setting up the permanent payment plan. I attended twice since XX/XX/year> to get the permanent plan emailed. 
I was informed it takes 3 to 4 business days to receive. So about XX/XX/XXXX and XX/XX/XXXX, still I have not received the permanent plan by email. ( First attempt, I was told my email was entered incorrectly. On XX/XX/XXXX, I called and found this out. I provided my email again, and the agent repeated it back. ) I really Portfolio is setting me up to garnish my pension which which is poverty level. The judge or clerk mentioned that it was poverty, my income just above public assistance for XXXX and XXXX electric assistance programs. I can not file bankruptcy, I can't have a judgement against... I will not be hired anywhere.... so there's a XXXX XXXX  set for XX/XX/year>. I can't afford an attorney and / or court fees. 

I am requesting assistance to counter sue as I put my best foot forward to work with Portfolio. In addition, I don't believe Portfolio purchased the full amount of my XXXX XXXX credit balance of {$8200.00}. The balance is {$8000.00}. This is fraud!

Company response to consumer: Closed with explanation