vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 2025-08-25 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: CT

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

1681c2 ) that you, the Experian 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 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  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 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 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 2025-08-25 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: CT

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 : INQUIRIES : XXXX XXXX  Date : XX/XX/25 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 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 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 2025-08-25 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
Re : Formal FCRA/FCBA/ECOA Dispute XXXX  / XXXX XXXX  {$3000.00} Background : I am formally disputing inaccurate, incomplete, and unfair reporting regarding my XXXX XXXX  secured credit card account. According to the credit report, the account reflects : - Status : Closed ( XX/XX/XXXXXXXX  ) - Credit limit : {$3000.00} - Payment history : Multiple late and derogatory notations extending into XXXX  despite a {$0.00} balance at closure. 

- Remarks : " Variable/adjustable rate '' ( misleading for a closed secured credit card ). 
This reporting is inaccurate, misleading, and harmful. Violations & Legal Codes : 1. Continued Late Reporting After Closure ( FCRA 623 ( a ) ( 1 ) ( A ) ) Late payments were reported in XXXX even though the account was closed XX/XX/XXXXXXXX  with a {$0.00} balance. This is factually impossible. 
2. Inflated Late Payment History ( FCRA 607 ( b ) ) Report lists XXXX lates, yet my history shows exaggerated late notations inconsistent with actual performance. Accuracy and completeness standard is violated. 
3. Contradictory Status ( FCRA 607 ( b ) ) Reporting Variable/adjustable rate as a remark is irrelevant and misleading. A closed secured credit card should only state Closed Paid/Settled {$0.00} balance. 
4. Post-Closure Re-Aging ( FCRA 605 ( a ) ) Recording lates after closure re-ages the account and misleads future creditors into believing delinquency occurred post-closure. 
XXXX. Failure to Accommodate Medical Hardship ( ECOA 15 U.S.C. 1691 ) Upon notifying XXXX XXXX  of my XXXX XXXX hardship, the account was closed instead of being properly coded for hardship assistance. This action may represent discrimination based on medical hardship. 
6. Failure to Properly Investigate ( FCBA 15 U.S.C. 1666 ) If this account has previously been disputed and not corrected, then the failure to amend is evidence of inadequate investigation. Requested Resolution : 1. Remove all late payments and derogatory notations reported after XX/XX/XXXX ( closure date ). 
2. Correct account status to : Closed Paid/Settled {$0.00} balance.

3. Remove misleading Variable/adjustable rate remark.

4. Reinvestigate under FCRA 611 and provide written confirmation. 
Notice : If these inaccuracies are not corrected within 30 days of receipt, I will file a formal complaint with the CFPB, FTC, and Illinois Attorney General, and seek remedies under FCRA XXXX for willful and negligent noncompliance.

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I have never gotten my card or my husband card from XXXX  when i open my account XX/XX/year>XXXX  its not XX/XX/year>XXXX  and have yet to get my cards in the mail or even the replacement cards now i have an annual fee and a 2nd account fee for an account that i cant use since they seem not to be able to send me my credit cards in the mail at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is now my third CFPB complaint regarding my PayPal Credit ( Synchrony Bank ) account. 

On XX/XX/year>, I paid {$620.00} through PayPals website using my debit card. This was the exact balance shown to me and was intended to resolve my PayPal Credit ( Synchrony Bank ) account. PayPal admits receiving the funds, but claims they applied them to a negative PayPal balance. I never owed PayPal that amount separately my only obligation was the Synchrony PayPal Credit account. 

Because Synchrony did not credit this payment, the account continues to be reported as unpaid, interest and fees accrued, and my credit report was damaged. I have now been forced to spend over a year disputing the same issue with both companies. This is completely unacceptable. 

Requested Resolution : 1. Synchrony Bank must credit the {$620.00} payment to my PayPal Credit account effective XX/XX/year>. 
2. Reverse all fees and interest that accrued after that date.

3. Update my credit reports to show the account as paid/paid as agreed, with derogatories removed.

4. Provide written confirmation that these corrections are completed. 

I am making clear that I am consulting with a consumer protection attorney regarding potential legal action under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), as well as exploring whether a class action is warranted. I will not pay this debt twice. The harm to my credit, the time wasted, and the repeated failure to resolve this after three complaints will be part of that review. 

Attachments : PayPals response letter ( admitting receipt of {$620.00} but misapplying it ), bank proof of my XX/XX/year> debit card payment, and current Synchrony reporting showing the account as unpaid.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX. 

My address of three years is : XXXX XXXX XXXX, XXXX XXXX, MI XXXX My SSN Ends in : XXXX  There are other names, which are not mine and other addresses and social security numbers. I was and have been a victim of identity theft. This issue goes back to XXXX, when someone with a similar name was arrested and they used my name. I need this fixed asap as it has been affecting my life.

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 2025-08-25 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 did not open this XXXX XXXX account and I never had rent reporters. These are fraudulent accounts XXXX RE Reported : XXXX. XXXX, XXXX - {$0.00} In good standing Payment History Youve made 100 % of payments for this account on time.

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Warning Warning Warning XXXX Warning Warning Warning Warning Current Warning Late Warning Unknown Warning Derogatory Last payment XXXX XXXX, XXXX  Current Payment Status Current Worst Payment Status Current Account Details Opened XXXX XXXX, XXXX  ( XXXX mos ) XXXX  XXXX Reported : XXXX XXXX, XXXX - {$190.00} In good standing Overview You're currently using 38 % of your account 's limit. 

Balance {$190.00} Credit limit $ XXXX  Monthly payment {$34.00} Opened XXXX. XXXX, XXXX  ( XXXX mo )

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 2025-08-25 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:
I did not open this XXXX XXXX account and I never had rent reporters. These are fraudulent accounts XXXX RE Reported : XXXX. XXXX, XXXX - {$0.00} In good standing Payment History Youve made 100 % of payments for this account on time.

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Warning Warning Warning XXXX Warning Warning Warning Warning Current Warning Late Warning Unknown Warning Derogatory Last payment XXXX XXXX, XXXX  Current Payment Status Current Worst Payment Status Current Account Details Opened XXXX XXXX, XXXX  ( XXXX mos ) XXXX  XXXX Reported : XXXX XXXX, XXXX - {$190.00} In good standing Overview You're currently using 38 % of your account 's limit. 

Balance {$190.00} Credit limit $ XXXX  Monthly payment {$34.00} Opened XXXX. XXXX, XXXX  ( XXXX mo )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I transferred {$750.00} from Ally bank to my cash app account XXXX XXXXXXXX. On XX/XX/XXXX, I contacted Ally bank and advised them of fraudulent activity on my account which did not include the transfer on XX/XX/XXXX. As the agent from Ally is putting in the disputes, Im getting secure messages advising of each dispute as they are entered. When the agent entered the dispute for {$750.00}, which she was clearly advised, should not be included because that was the last transaction I completed on XX/XX/XXXX, I immediately sent a secure message back advising that it should not be included. I receive a response while on the phone with the agent on XX/XX/XXXX that dispute XXXX would be closed and would not be included in my active disputes. 

On XX/XX/XXXX after being told dispute XXXX would be closed, someone at Ally bank reopened the dispute which then caused a successful and valid paymwnt made on XXXX to be returned as failed because someone at Ally Bank made a mistake and now Im responsible for a situation that should have never been created. Ally bank made the mistake.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
This is not my debt and is fraudulent HUNTER WARFIELD INC Last reported XX/XX/year>XXXX  {$500.00} Open balance HUNTER WARFIELD INC Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NV

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors have been weighing heavily on me and continue to affect me negatively in ways that are difficult to put into words. During these trying times, having these inaccuracies corrected or removed would be a tremendous help, truly a blessing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MI

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 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 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 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 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  : {$5500.00} 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, 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 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 2025-08-25 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: TX

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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