vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off LVNV Funding account, for {$2100.00} and {$1900.00} that has recently appeared on my credit reports. I became aware of this derogatory tradeline only after my loan officer reviewed my credit file during the home loan approval process. I have never opened, authorized, or consented to being added to this account in any capacity. I do not recognize this account and have no knowledge of its origin, usage, or responsibility. To the best of my knowledge, this tradeline was added to my report without my permission or involvement. This unauthorized and inaccurate account is now significantly harming my credit profile, adversely affecting my credit scores and increasing my debt-to-income ratiojeopardizing my ability to close on a pending home loan. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is accurate, complete, and verifiable. As this account was not authorized by me and is therefore fraudulent or reported in error, I am formally demanding that LVNV and/or the credit bureaus immediately remove this tradeline from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I keep entering this info and it keeps being deleted. 
On my credit report is DEPT OF EDUCATION/XXXX . i HAVE CONTACTED AT LEAST A HALF DOZEN DEPT OF EDUCATION NOS GIVING THEM MY NAME AD SOC SECURITY no and none have found anything. 
I have contacted experian asking for the underlying info they recd bearing my name and signature upon which they made the entry in my credit report. They have refused to furnish me anything..

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 2025-07-14 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: TX

Complaint narrative:
On XX/XX/XXXX I applied online for credit with Synchrony ( through Care Credit ) and was denied. On XX/XX/XXXX, I received a letter from Synchrony ( dated XX/XX/XXXX ) stating that my request was denied for the following reason : Application has risk factors that cause us to be unsure of your identity. The letter stated that the information that was the basis for this decision was provided by XXXX. I received a copy of my credit report from XXXX  on XX/XX/XXXX. It showed all my credit accounts as OK. 

The fact that Synchrony denied by application based on their concerns over my identity suggested that perhaps Id made a typographic error when entering information in the XXXX online application. To address this possibility, on XX/XX/XXXX I spoke with a representative of Synchrony named XXXX with whom I reviewed the information submitted on the online credit application. She confirmed the accuracy of the information. 

That same day I spoke with another Synchrony representative named XXXX who XXXX referred to as her supervisor. XXXX stated that he could not share with me the information provided by Transunion that was the basis for their concern for my identity. He suggested that I enter into Synchronys Reconsideration Process and I told him my concern wasnt the fact that I was denied the loan, it was my concern that Synchrony decided that there was information in Transunions records that they construed as casting doubt on my identity. XXXX stated that I should review the information contained in Transunions records, to which I replied I had already done so and found no such information. I repeated by request for him to share with me the information that was the basis for Synchronys concern over my identity, but he refused to comply with my request.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My experian account was hacked. I tried calling experian numerous of times and can not get a hold of a real person. The automatic phone does not help me be able to gain control of my account. The phone number, password, and email address on my experian account are not mine.

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 2025-07-14 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
I received 2 letters in one envelope : one was from XXXX XXXX  in XXXX the other from my bank- XXXX. It stated that money was going to be garnished for unpaid debt from my bank. 
They have my account number and social security number When I called the XXXX  XXXX  they directed me to Foster and Garbus. 

I called Foster and Garbus they said it was debt from a credit card. 

I do not owe any money to any credit card. 

I saw Foster and Garbus was sued in 2023 for illegal debt collection by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX  Account Number XXXX Balance : {$1500.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$3000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Balance : {$1200.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2025-07-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am submitting this complaint because TransUnion and Experian have reported late payments on my Dept. of Education XXXX XXXX student loan account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that are both inaccurate and unlawfully disclosed. Specifically, the bureaus have reported 90, 120, and 150+ day delinquencies, which I formally dispute. 

These late payment entries violate 15 U.S.C. 1666b of the Truth in Lending Act, which requires creditors to allow a reasonable amount of time to make payments before classifying them as late. There is no evidence that such a reasonable window was provided in this case. Additionally, the reporting of my student loan statusan educational recordwas done without my written consent, which constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ). 

I have already submitted direct disputes to the credit bureaus demanding the removal of this harmful and illegally reported information. Despite that, they have failed to take corrective action. 

I am requesting the CFPB to intervene immediately and enforce compliance. I demand that TransUnion and Experian permanently delete all negative payment history associated with this account within 4 business days, as continued reporting of these entries is unlawful and damaging to my credit and personal rights.

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 2025-07-14 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:
IDENTITY THEFT ACCOUNTS ; FRAUD XXXX XXXX XXXX  Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX DEPT OF EDUCATION/XXXX  Account number XXXX DEPT OF EDUCATION/XXXX Account number XXXX DEPT OF EDUCATION/XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number 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 2025-07-14 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: MA

Complaint narrative:
I am writing to dispute and request removal of negative items on my credit report that are outdated or unfairly affecting my score. Despite keeping my credit utilisation consistently under XXXXXXXX XXXX and maintaining on-time payments recently, my score remains low. 

Specifically, Im requesting the removal of late payment history reported on Account ending in XXXX, which has since been resolved. I believe this negative mark is no longer reflective of my current credit behaviour. 

I am also asking for a full review of the account status and balance to ensure all reported information is accurate, current, and compliant with the Fair Credit Reporting Act. 

I appreciate your assistance in ensuring my credit file reflects my present 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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am writing to file a complaint against JPMorgan Chase Bank regarding unauthorized transactions made with my stolen debit card. 

Between XX/XX/XXXX and XX/XX/2025, my debit card was stolen, and during that time, unauthorized charges totaling {$340.00} were made from my bank account. As soon as I became aware of the suspicious activity, I reported the incident to Chase and filed a claim for reimbursement under Regulation E, which protects consumers from fraudulent electronic fund transfers.

However, Chase denied my claim, stating they were unable to find any fraud, despite my repeated confirmation that I did not authorize or conduct these transactions. I believe this decision was made in error and violates my rights as a consumer under federal law. 

I request that the Consumer Financial Protection Bureau investigate this matter. I am seeking a full reimbursement of the {$340.00} in unauthorized transactions, as well as an explanation from Chase as to how they determined there was no fraud in this case.

I am happy to provide supporting documents, including my dispute claim, transaction history, and any correspondence with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding XXXX collection accounts being inaccurately and inconsistently reported across all three credit bureaus. The information varies between bureaus, and the accounts remain on my reports without proper verification or documentation. 

Account : XXXX  : Collection Agency : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1700.00} XXXX XXXX Collection Agency : Central Portfolio Cont Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1700.00} These discrepancies prove the information is inaccurate and unverifiable. I request a thorough investigation and that this account be deleted from my credit reports if the furnishers can not provide complete and accurate validation under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: EQUIFAX, INC.
State: MO

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$650.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief