vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. 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 XXXX, CA XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00}

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On or about XXXX, I sent a secure message through the app : XXXX XXXX XXXX XXXX XXXX  ToChase Card Services SubjectAccount inquiry Expiring soon ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CATEGORY TYPE : Account inquiry XXXX Hello. The United Explorer card has a XXXX dollar annual fee the first year but I have a {$95.00} annual fee transaction after opening the account one month ago. 

They sent timely response the applicable department said the annual fee is not waived the first year and its application is correct. The actual message is no longer available to attach or copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-18 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-18 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. I am filing this FTC Identity Theft Affidavit to report four fraudulent account ( s ) appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a lease account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX, an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, and a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-18 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: PA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint concerns the continued reporting of an account by Synchrony Bank, account ending in XXXX, originally branded as PayPal Credit, despite a clear legal and regulatory basis requiring its deletion. 

Legal Proceedings : On XX/XX/XXXX, XXXX XXXX. XXXX was formally dismissed by the XXXX XXXX XXXX XXXX following multiple procedural failures and Synchronys inability to validate the alleged debt. The court 's dismissal reflects lack of prosecution and the absence of valid documentation substantiating the claim. 

Account Status : A XX/XX/XXXX billing statement confirms the account was previously charged off with a {$0.00} balance. Yet Synchrony continued to furnish derogatory data to the credit bureaus through XX/XX/XXXX, falsely representing the account as active with a balance of {$610.00} and a current charge-off status. 

Prior Dispute Efforts : Formal disputes were submitted to all three major credit bureaus. Despite overwhelming documentationincluding the courts dismissal order, evidence of non-validated debt, and proof of charge-offthe tradeline remains on file, in violation of the Fair Credit Reporting Act. 

FCRA Violations Synchrony Bank violated : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by furnishing data it knew or should have known was inaccurate. 

15 U.S.C. 1681s-2 ( b ) by failing to conduct a reasonable reinvestigation following notification of dispute.

15 U.S.C. 1681b ( f ) by continuing to report post-litigation without a valid permissible purpose. 

XXXX XXXX XXXX XXXX are complicit in these violations by : Willfully maintaining an inaccurate and misleading tradeline. 

Failing to comply with their obligations under 1681i ( a ) to conduct reasonable reinvestigations and delete or correct incomplete information. 

Allowing continued publication of legal inaccuracy despite receiving court-backed evidence.

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 2025-06-18 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-18 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
After the XXXX XXXX XXXX XXXX my wife and I struggled to keep payments on our home current the first year we lived on savings, the next year it became extremely rough for us we were about 12 months behind on our house payments, probably {$23000.00} behind, we reached out to our mortgage servicer, they demanded back payments and began foreclosure process, I was forced into a corner by them, they would not negotiate back payments or a deferment of any sort, they pressured me, I had no other choice than to sell off equipment that I had acquired in business, A XXXX XXXX XXXX XXXXXXXX XXXX XXXX and a XXXX XXXX XXXX XXXX, I sold the equipment for way less than market value, after becoming current, they coerced me to sign a loan modification, with an {$87000.00} differed or balloon payment on XX/XX/year>, I am retired/disabled I barely make ends meet, after reading the loan modification it appears that my home loan at the current payment ( {$2100.00} ) I am making from today forward will still take about 40 years to pay off our home. 
Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: IL

Complaint narrative:
It opened XX/XX/XXXX. I haven't used anything credit wise since XXXX of XXXX purchasing my car. My credit was locked since then. Now, XX/XX/XXXX, the collections appeared on my credit report for " Account solutions for account '' and taken by NRA, National Recovery Agency.

We called NRA at XXXX, they asked for the basic information and had nothing regarding my information except " XXXX pages '' of my name in their system. They then asked for my middle name, total of " debt owed '', as well as looking up my account with the phone number I called from. XXXX XXXX was the agent I spoke to and she couldn't find any account regarding my information. Till they demanded I give my social security number to help find this account. I would not give them my ssn so they said, " Well then we can't help you, have a good day '' and the call ended. 

Having this on my credit report without my information at all proves identity theft and I strongly believe so.

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 2025-06-18 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: NY

Complaint narrative:
I am formally disputing all inaccurate, unverifiable, or undocumented information currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 data field reporting standards, you are legally obligated to ensure maximum accuracy, truthfulness, and completeness of all reported data. The continued reporting of derogatory information without verified, factual evidence constitutes willful non-compliance and a direct violation of my consumer rights.

I will not accept or acknowledge any allegation of delinquency or derogatory status without full substantiation, including : Complete chain of custody of original documents Signed contracts bearing my authentic signature Proof of permissible purpose under 15 U.S.C. 1681b Metro 2 compliance file records verifying correct data formatting You are hereby instructed to immediately furnish physical, verifiable evidence validating the existence and lawful reporting of the following : Personal Information Under Dispute : Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Employer : XXXX XXXX XXXX Account Under Dispute : XXXX - XXXX Failure to provide such documentation within the timeframe allowed by law will constitute your inability to validate the reporting. In such case, I demand the immediate and permanent deletion of the above-referenced items from all reporting systems. 

Your failure to fully comply with Metro 2 reporting standards and FCRA obligations threatens the integrity of my credit profile and exposes you to legal liability. Provide full physical documentation of your investigation results and send an updated copy of my credit report to my address on file. 

This is a formal demand for compliance. Failure to comply may result in further legal action.

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 2025-06-18 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: NY

Complaint narrative:
I am formally disputing all inaccurate, unverifiable, or undocumented information currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 data field reporting standards, you are legally obligated to ensure maximum accuracy, truthfulness, and completeness of all reported data. The continued reporting of derogatory information without verified, factual evidence constitutes willful non-compliance and a direct violation of my consumer rights.

I will not accept or acknowledge any allegation of delinquency or derogatory status without full substantiation, including : Complete chain of custody of original documents Signed contracts bearing my authentic signature Proof of permissible purpose under 15 U.S.C. 1681b Metro 2 compliance file records verifying correct data formatting You are hereby instructed to immediately furnish physical, verifiable evidence validating the existence and lawful reporting of the following : Personal Information Under Dispute : Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Employer : XXXX XXXX XXXX Account Under Dispute : XXXX - XXXX Failure to provide such documentation within the timeframe allowed by law will constitute your inability to validate the reporting. In such case, I demand the immediate and permanent deletion of the above-referenced items from all reporting systems. 

Your failure to fully comply with Metro 2 reporting standards and FCRA obligations threatens the integrity of my credit profile and exposes you to legal liability. Provide full physical documentation of your investigation results and send an updated copy of my credit report to my address on file. 

This is a formal demand for compliance. Failure to comply may result in further legal action.

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 2025-06-18 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: TX

Complaint narrative:
Subject : Request for Deletion Due to Inaccurate Reporting The account in question was charged off in XX/XX/year>. However, it has been repeatedly updated each month as charged off, which reflects ongoing activity in the payment history. This is inaccurateonce charged off, an account should not show an active payment history. 
Such reporting misrepresents the actual status of the account and artificially extends the statute of limitations. This misinformation violates my rights under the Fair Credit Reporting Act, and your failure to conduct a proper investigation constitutes a breach of your responsibilities. 
Therefore, I am formally requesting the immediate deletion of the following account from my credit file : Account Name XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief