vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and/or unverifiable information that I have attempted to resolve directly with the credit bureaus and/or data furnishers without success. Despite providing dispute letters and requesting verification in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureaus failed to conduct a reasonable investigation or provide sufficient documentation supporting the accuracy of the reported accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
Consumer Financial Protection Bureau Complaint Submission Subject : Inaccurate and Unverified Accounts Reported by Credit Bureaus and Collection Agencies To Whom It May Concern, I am filing this complaint due to multiple inaccurate, unverifiable, and improperly reported accounts on my credit report. Despite sending formal dispute letters to the credit bureaus and debt validation letters to the reporting collection agencies, these accounts remain uncorrected in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These agencies failed to provide verification of the following 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 I am requesting immediate investigation into these violations. These accounts are damaging my credit profile and were not properly verified under FCRA 609 ( a ) ( 1 ) or 611 ( a ). I reserve the right to take additional legal action if these issues are not resolved promptly. 

Sincerely, 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 2025-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting personal information that is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report. 

My name is inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting personal information that is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report. 

My name is inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to block fraudulent information on my credit report, despite receiving all required documentation under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. 

I am a victim of identity theft and believe my information was compromised during the Equifax data breach. I provided Equifax with : XXXXXXXX XXXX Account # XXXX Balance - {$4300.00} Opened - XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance - {$20000.00} Date Opened - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Balance - {$10000.00} Date Opened - XX/XX/XXXX XXXX XXXX Account XXXX XXXX Balance - {$14000.00} Date Opened - XX/XX/XXXX XXXX XXXX Account # XXXX Balance - {$240.00} Date Opened- XX/XX/XXXX A police/identity theft report Proof of my identity A written statement identifying the fraudulent items A declaration that I did not authorize the accounts Equifax has not removed the fraudulent information as required by law. This failure is harming my credit and causing undue hardship. 

I request that the CFPB investigate this matter and ensure Equifax complies with federal law by permanently blocking the disputed items. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
My Equifax credit report contains inaccurate and possibly fraudulent information that I did not authorize or recognize. Specifically : 1. Collections accounts from XXXX XXXX XXXX XXXX and XXXX XXXX are listed, with balances of {$2300.00} and {$2700.00} respectively. I was never contacted or notified by these companies before they appeared on my report. I did not receive any debt validation or communication, which is required by law under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Hard inquiries from companies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XX/XX/XXXXXXXX were made without my authorization. Several of these inquiries happened on the same day or in close succession, raising concerns of improper use of my credit report or identity misuse. 
XXXX. My report also lists old and incorrect addresses and employers that do not belong to me. For example, addresses in XXXX XXXX and XXXX XXXX, and jobs with companies like XXXX XXXX, are not associated with me and are incorrect. 

These errors are affecting my credit score and ability to move forward financially. I have attempted to dispute these issues directly through Equifax but have not received a satisfactory resolution or removal of the inaccurate data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
On XX/XX/year>, I submitted a formal freeze request due to contract issues and the denial of arbitration, based on the fact that XXXX XXXX XXXX and XXXX XXXX were not registered with nor in compliance with the American Arbitration Association ( AAA ) rules and regulations. Between XXXX and XX/XX/year>, I sent three certified debt validation letters to XXXX XXXX, formally requesting. The original signed contract, a full account ledger, and proof of ownership and chain of title for the alleged debt. To date, the company has not responded with any documentation. Instead, they continued to harass me through phone calls and text messages, and ultimately charged off the account in retaliation. They are now falsely reporting a {$34000.00} balance to Experian without validating the debt, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, under FCRA 605B ( 15 U.S.C. 1681c2 ), I am asserting my right to block any information resulting from unauthorized, fraudulent, or unverifiable activity. The XXXX XXXX account in question, was reported without proper authorization, was sold or assigned without a clear chain of title, and has never been validated as required by law. I have not received any documentation proving this debt is mine, and I am therefore demanding its immediate removal from my credit report under the protections afforded by FCRA 605B. I also maintain certified tracking proof of all letters sent, including delivery receipts and timestamps. If necessary, I am prepared to submit these exhibits in court and to regulatory agencies. This reporting is inaccurate, retaliatory, and harmful, and must be corrected immediately.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion

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 2025-07-28 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: CA

Complaint narrative:
I am filing a complaint regarding a charged-off account reported by XXXX XXXX ( Acct. # XXXX ) on my credit reports. This account reflects a {$0.00} balance and is still marked as Charge-Off despite being closed or paid. 

I believe this is an unfair and misleading representation under the FCRA, specifically 604, which requires a valid and verified purpose for furnishing or reporting credit data. I also have not been provided documentation verifying the debt or confirming that XXXX XXXX had a legal right to furnish this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a fraudulent loan in the amount of {$360.00} that appears to have been issued by XXXX XXXX XXXX. I never applied for, authorized, or received any funds from this company. I am a victim of identity theft. 

I discovered this loan while reviewing my credit report and immediately recognized it as unauthorized. I have no prior relationship with XXXX XXXX XXXX, and I did not provide any personal or financial information to them. 

I am requesting that XXXX XXXX XXXX provide : Documentation of the original loan application The bank account or routing number where the funds were sent The IP address or location associated with the loan request Any email, phone number, or mailing address linked to the application I have filed an Identity Theft Report with the FTC and am including it with this complaint, along with a copy of my government-issued ID and proof of my current address. 

I am requesting that this fraudulent account be investigated, removed from my credit report, and that all collection efforts cease immediately. 

Thank you for your assistance in helping me resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Netspend for failing to honor a promotional bonus offer as advertised. 

the terms of the promotion from Netspend are : " To qualify for this offer, ( 1 ) you must acquire a new Netspend Prepaid Card or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX ; and ( 2 ) enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account. The qualifying incentive credit will be applied to your account within XXXX business days after the qualifying direct deposit activity. '' I have communicated with I Netspend customer service in message and got confirmed that I fulfilled the first requirement on XXXX and fulfilled the second requirement on XXXX. Since both conditions were met, I should have received the promotional bonus no later than XX/XX/XXXX ( five business days after both criteria were satisfied ). However, as of today ( XX/XX/XXXX ), I have not received the bonus, and I have not been given a resolution.

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 2025-07-28 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> ( XXXX PM PT ), I purchased a mattress at Living Spaces XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Order XXXX ; associate XXXX XXXX XXXX XXXX In the store, 0 % financing was presented and I was asked to enter information on an XXXX. Throughout the process, the associate repeatedly emphasize this is a " financing program '' and did not disclosed that the promotion required opening/using a Living Spaces Credit Card ( Synchrony ) at all. After the purchase, I discovered a new account and a hard inquiry on my credit report. 
I respectfully request CFPBs assistance to : ( 1 ) have Synchrony close the account ; ( 2 ) remove/recall the hard inquiry ( or provide a letter I can use with the bureaus ) ; and ( 3 ) confirm I owe no fees. 
I can provide my receipt/order, a sameday conversation recap or anything information that would be helpful, thank you. 

Since this happened today, I haven't received any notice or confirmation letter from Synchrony Bank yet about the credit card application.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
In XX/XX/year>, Credence Resource Management appeared on my credit report under the collection category. The debt that this company is trying to collect is for {$6800.00}, stating that the original creditor was XXXX XXXX. Within the week of the collection appearing on my credit report, I called Credence Resource Management on the phone to dispute the collection, stating that I have never been an XXXX XXXX customer, thus this debt is not mine. The Credence Resource agent stated that Credence has no proof of me being an XXXX XXXX customer, but that I would have to pay a {$300.00} fee to get the collection removed from my credit report. In XX/XX/year>, instead of receiving proof that this debt is mine, I received a letter from Credence asking me to dispute the claim with XXXX directly, even though XXXX is no longer the owner of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CT

Complaint narrative:
My name is XXXX XXXX. My ex-husband is financially abusive. He showed up as coapplicant on one of my reports a while back. I placed freezes and requested removal and was told its no big deal just clerical. Its an error. I want it gone. Immediately. I have never been a coapplicant or co-borrower on anything at all least of all with XXXX XXXX, my coercive, controlling, nightmare ex-husband who's financial messes im still cleaning up in his cowardly absence. Its false. Take it off my report. Now. It means he's applied for stuff with my name on it. REMOVE IT.

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 2025-07-28 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: CT

Complaint narrative:
My name is XXXX XXXX. My ex-husband is financially abusive. He showed up as coapplicant on one of my reports a while back. I placed freezes and requested removal and was told its no big deal just clerical. Its an error. I want it gone. Immediately. I have never been a coapplicant or co-borrower on anything at all least of all with XXXX XXXX, my coercive, controlling, nightmare ex-husband who's financial messes im still cleaning up in his cowardly absence. Its false. Take it off my report. Now. It means he's applied for stuff with my name on it. REMOVE IT.

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 2025-07-28 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: EQUIFAX, INC.
State: CT

Complaint narrative:
My name is XXXX XXXX. My ex-husband is financially abusive. He showed up as coapplicant on one of my reports a while back. I placed freezes and requested removal and was told its no big deal just clerical. Its an error. I want it gone. Immediately. I have never been a coapplicant or co-borrower on anything at all least of all with XXXX XXXX, my coercive, controlling, nightmare ex-husband who's financial messes im still cleaning up in his cowardly absence. Its false. Take it off my report. Now. It means he's applied for stuff with my name on it. REMOVE IT.

Company response to consumer: Closed with explanation