vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 credit card with XXXX XXXX XXXX XXXX account # XXXX, opened on XX/XX/XXXX with {$560.00} balance. 
XXXX XXXX XXXX account # XXXX, opened on XX/XX/XXXX with a {$11000.00} balance. 
XXXX XXXX XXXX account # XXXX, opened on XX/XX/XXXX with a {$0.00} balance. 
XXXX XXXX XXXX account # XXXX, opened on XX/XX/XXXX with {$15000.00} balance XXXX XXXX  XXXX account # XXXX, opened on XX/XX/XXXX with {$540.00} balance.

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 FICO 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 my 3 FTC identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of negative accounts currently being reported on my credit file under TransUnion bureau. These accounts are the direct result of a failure in data security and a breach that compromised my personal and financial information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure that all information reported is accurate, verifiable, and fairly maintained. Reporting accounts that stem from a security breach violates these obligations. Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ) and the Federal Trade Commission Act ( 15 U.S.C. 45 ), organizations are required to safeguard consumer data and prevent unauthorized access. This clearly did not occur, leaving my personal information vulnerable and directly impacting my credit report. 

I demand the immediate removal of all inaccurate and negatively impacting accounts linked to this breach. Failure to do so not only further damages my creditworthiness but also places your bureau in direct violation of federal law. 

I expect a written response confirming the deletion of these accounts from my credit file within 30 days of receipt of this letter, as required by law. Should you fail to act, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. Additionally, I will pursue all available legal remedies to protect my rights. 

This is not a requestit is a demand backed by law. I will hold your agency fully accountable for any continued reporting of fraudulent, inaccurate, or unverifiable information on my 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND ACCOUNT WHIC I AM GOING TO LIST IS NOT MINE AND ITS FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company is reporting incorrect information on my credit report for my employment date. I dont have a home daycare date verified XX/XX/year>. ( XXXX XXXX ), XXXX XXXXXXXX XXXX  date verified XX/XX/year>, self employed XXXX employee, date verified XX/XX/year>. Asking that I either receive the information that was used to verify my work history of employment of the credit bureau remove this incorrect data from my credit report immediately. The credit bureau is also reporting an bankruptcy docket # XXXX on my credit report, I have sent over the information from the courts to the credit bureau, stating that they do not verify bankruptcy with a XXXX parties, I requested from the credit bureau to send me over the information or person that was used to verify that this is information that is reflecting on my credit report is correct. I have also attached correspondence between myself and the courts of bankruptcy to verify this bankruptcy case was not verified by their office where this bankruptcy case was supposedly filed.

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 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
They say I have three late payments, but that is incorrect. I dont have any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: FL

Complaint narrative:
I am writing to dispute a fraudulent student loan account listed on my credit report. The account in question, Mohela federal loans is not mine and appears to be the result of identity theft or fraudulent activity. I have never applied for or authorized this student loan, and I request its immediate removal from my credit report. 

Details of the disputed account : It appears I owe money and have passed payments missed and it is not a loan I took. 


Lender : Mohela Federal Date Reported : XXXX XXXX present I discovered this unauthorized account on Credit Karma while reviewing my credit report. I have not received any funds from this loan, signed any related documents, or had any contact with the lender regarding this account. This appears to be a case of identity theft, and I am taking steps to address this. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter promptly and remove the fraudulent account from my credit report. Please provide written confirmation of the investigation results and any actions taken to correct my credit file. 



A copy of my credit report highlighting the disputed account Please contact me at XXXX, if you need additional information to complete this investigation. I expect this matter to be resolved within the XXXX period required by the FCRA. Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM STRUGLING TO GET CREDIT CARD BECAUSE SOMEONE USED MY INFO TO APPLY FOR CREDIT CARDS AND I AM A VICTIM OF IDENTITY THEFT. PLEASE HELP ME TO RESOLVE MY ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I am extremely frustrated to see that the unauthorized inquiry is still showing on my credit report this morning. I dont understand why it hasnt been removed, even after refreshing my browser. I need the documents I sent to be reviewed carefully and this issue resolved immediately so I dont have to keep stressing over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, through TransUnion, illegally reinserted a collection account onto my credit report without providing the legally required written notice or verification under FCRA 611 ( a ) ( 5 ) ( B ). 

This exact XXXX account had been deleted from my report on XX/XX/XXXX ( see evidence ). Under federal law, a deleted account can not be re-reported unless fully verified and the consumer is notified within XXXX business days. This never happened. 

Equifax continues to report this same XXXX account inaccurately, while Experian shows no record of it, proving inconsistent and false reporting across bureaus. 

Additional issues : - XXXX XXXX is reporting a false XXXX XXXX XXXX collection on TransUnion with no verification. 
- XXXX XXXX is reporting inaccurately on Equifax. 
- All three bureaus repeatedly marked my disputes as verified without providing proof, violating FCRA 611 ( a ). 

* * Actual Damages : * * Due to these false reports, I was denied a {$140000.00} home loan, as shown in my attached evidence. Between XXXX and XX/XX/XXXX, multiple auto financing attempts were also blocked, resulting in significant financial loss and emotional distress. 

* * Requested Resolution : * * XXXX. XXXX deletion of all inaccurate accounts ( XXXX, XXXX XXXX, XXXX XXXX ) from all credit bureaus. 
XXXX. Full written explanation of how these accounts were verified and why they were reinserted. 
XXXX. Compensation for damages caused by these repeated violations. I am seeking {$150000.00} to cover statutory damages and actual harm caused by a denied {$140000.00} home loan and numerous failed credit applications. 
XXXX. XXXX that these accounts will not be re-reported without full FCRA compliance. 

While I am fully prepared to escalate to federal litigation, I am open to resolving this matter through a fair settlement that includes both deletion and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-09-08 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-09-06 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: DISCOVER BANK
State: IL

Complaint narrative:
I am disputing inaccurate and misleading reporting of a Discover Card account ( ending in XXXX ) on my credit reports with Experian, Equifax, and TransUnion. This account is reported as a charge-off but continues to show both a balance of {$2900.00} and a past due amount of {$2900.00}. A charged-off account can not legally carry an ongoing balance and past due status at the same time under XXXX XXXX reporting standards. Additionally, the account lists a 'Date Closed ' of XX/XX/XXXX but also reports a 'Last Payment ' on XX/XX/XXXX. A closed account can not have payments applied after closure. The file also contains conflicting amounts : High Balance of {$4800.00} and Original Charge-Off Amount of {$4200.00}.

These contradictions make the reporting inaccurate and misleading. I previously disputed this account, but the bureaus marked it as 'verified ' without providing a method of verification as required under FCRA 611 ( a ) ( 5 ) ( B ). This indicates the investigation was not conducted reasonably or with proper documentation. These errors are harming my creditworthiness and violating my rights under the FCRA and XXXX XXXX compliance standards. Resolution Requested : Permanent deletion of this Discover Card account from all credit bureaus, and a full written explanation of the verification process used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CT

Complaint narrative:
I received a collection letter from Credit Control , LLC regarding an alleged XXXX  XXXX XXXX account for {$1800.00}. 
I dispute this debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). 
The company has not provided proper validation such as the original signed agreement, payment history, or proof of legal right to collect. 
Reporting this account without proper validation violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
I request that this account be removed from my credit reports and that all collection activity cease until proper validation is provided.

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 2025-09-06 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: AR

Complaint narrative:
I was affected by the XXXX Equifax data breach. Please see attached identify theft report with unknown accounts listed. 

XXXX XXXX XXXX XXXX XXXX$1100.00} XXXX XXXX XXXX XXXX {$550.00} XXXX. XXXX XXXX XXXX {$890.00} XXXX. XXXX XXXXXXXX XXXX {$16000.00} XXXX. XXXXXXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/2025, I attempted to deposit a {$750.00} paycheck into Cash App using their mobile check deposit feature. The app instructed me to endorse the check with Cash App Deposit, which I did, and I have a screenshot of those instructions. After submitting, Cash App initially accepted the images but later declined the deposit, stating the endorsement was not correct and should have read For Cash App Mobile Deposit only. Because of this, my check is now void and can not be deposited elsewhere. I contacted Cash App support multiple times and asked for the exact reason for the decline or a resolution, but I was only told my deposit was rejected without further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I resided at a property and I was formally evicted on XX/XX/year>. Following my eviction, the property management or landlord has improperly attempted to charge me rent for the period after I vacated the property, as well as additional charges with no justifiable basis or explanation. These charges are invalid, as I no longer occupied the property after the eviction date and fulfilled all legal obligations prior to that point. I dispute these charges as well as the ones pertaining to a " lease breaking fee '', as stated by florida law that if evicted then you can't be responsible for the remainder of the lease and I am request their immediate removal, along with a detailed explanation of any claimed fees. Please address this matter promptly to correct the error. I have documentation if needed for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I recently reviewed my credit report and was shocked to find several accounts and inquiries that do not belong to me. I have always taken care to manage my finances responsibly, yet these errors have caused stress and could negatively affect my financial standing. I believe these inaccuracies may have arisen because another person with a similar name or address has been confused with my personal information.XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am writing regarding TSI attempts to contact me concerning an alleged medical debt. Recently, they contacted my son on his personal phone. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from contacting third parties about a debt except under very limited circumstances.

TSI obtain my sons phone number in my hospital medical records!

This is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to file a complaint regarding what I believe to be an abusive and predatory credit card interest rate. I currently hold a Synchrony Bank TJX Rewards credit card, which is charging me an Annual Percentage Rate ( APR ) of XXXX %. 

While I understand that credit card issuers may set variable interest rates, I believe this rate is excessive, harmful to consumers, and inconsistent with fair lending practices. I did not anticipate such a high rate when opening the account, and I am concerned that this practice may exploit consumers who have limited options for credit. I respectfully request that your office review this matter and determine whether Synchrony Bank is in compliance with  California and federal consumer protection laws. 

Please advise me on the appropriate next steps, and let me know if you require documentation such as copies of my statements or cardholder agreement. 

Thank you for your time and assistance in addressing this matter.

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