vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the XXXX Information that are being challenged : XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-12-02 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: CA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-12-03 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
Target XXXX card has the following issues : There is no clear link to pay the XXXX  card. If there is XXXX, it doesn't work. It used to be easy to find and pay, now no more. 

Customer service is all foreign and closed during XXXX hours. I have had many of them hang up on me because they could not carry on a conversation or rectify my situation. 

Target does not have a strong plan or team to handle fraud like my other credit cards. 

No one can provide me a plan to get this rectified, yet they continue to assign fees to me. 

I have left messages on XXXXXXXX XXXX, and well the customer service agents won't and don't know how to document anything. 

The XXXX for Target has a huge list of complaints regarding their credit cards and late fees. TARGET NEEDS TO BE ADDRESSED LEGALLY FOR FAILURE OF FOLLOW THROUGH AND LACK OF INFRASTRUCTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: National Credit Adjusters, LLC
State: PA

Complaint narrative:
A fraudulent account with NCA is reporting under XXXXXXXX XXXX XXXX XXXX XXXX, and appears twice on XXXX under different names ( XXXX and National Credit Adjusters ). It also displays the full unmasked account number, violating FCRA data security requirements. 

This is severe inaccurate reporting and fails multiple XXXX XXXX standards. No DOFD, Date Opened, XXXX Code, or Account Status Code is present, and the account is not coded with the required identity theft condition code ( XB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This is my second formal complaint regarding the collection account being reported by National Credit Systems, with the alleged original creditor XXXX XXXX XXXX XXXX, account ending XXXX. Despite multiple disputes and prior complaints, I have still not received a single piece of lawful verification for this alleged debt. National Credit Systems has failed to provide the original lease agreement bearing my signature, a complete itemized account ledger explaining the alleged balance, proof of assignment authorizing them to collect, or documentation showing that any required written validation notice was sent prior to reporting this account to the credit bureaus. This continued reporting of an unverified debt violates the Fair Debt Collection Practices Act ( FDCPA 809 ) and the investigation and accuracy requirements under the Fair Credit Reporting Act ( FCRA 611 and 623 ), as well as XXXX XXXX reporting standards. Reporting information without lawful validation constitutes the furnishing of inaccurate, unsubstantiated, and misleading consumer data. Furthermore, the failure to meaningfully investigate my disputes or correct the reporting reflects willful noncompliance with federal law. I am demanding immediate deletion of this account from all credit bureaus. If National Credit Systems can not produce full documentary verification as required by law, any continued reporting or collection activity will result in my immediate pursuit of all available legal remedies under the FCRA, FDCPA, and applicable state consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
In accordance with federal law, specifically 15 USC 1681c-2 ( a ), I formally request that all information resulting from this identity theft be blocked and removed from my credit report by the credit reporting agency .

Federal law mandates that any disputed information stemming from identity theft must be blocked and removed within XXXX business days of receiving a valid complaint. 

Listed below are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX ( PLEASE REMOVE ) XXXX XXXX BANK SS XXXX ( PLEASE REMOVE ) XXXX XXXXXXXX BANK XXXX ( PLEASE REMOVE ) XXXX XXXX XXXXXXXX ( PLEASE REMOVE ) XXXX XXXX XXXX XXXX ( PLEASE REMOVE ) XXXX XXXXXXXX ( PLEASE REMOVE ) XXXX BANK XXXX ( PLEASE REMOVE ) XXXX XXXX XXXX XXXX ( PLEASE REMOVE ) XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ) XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ) I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my rights are protected. 
Sincerely,

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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This case was formally filed in XX/XX/XXXX and has been subject to multiple dispute re-openings and closures, as well as numerous documented complaints and phone calls due to administrative malpractice. On XX/XX/XXXX, XXXX Office XXXX XXXX XXXX promised me an XXXX, manual review of my case, with a XXXX deadline for resolution. That deadline officially expired on XX/XX/XXXX, without the guaranteed manual resolution. ( XXXX  XXXX ) Instead of the XXXX resolution, the bank has generated and sent internal automatic notifications that demonstrate complete administrative chaos : The bank internally opened a " new dispute '' on the replacement account ( XXXX ), which I have never used and currently holds a negative balance of - {$1600.00} USD ( a credit/overpayment ). ( XXXX XXXX ) The dispute notification letter uses generic and false template language stating that this negative balance is " subject to interest charges '' and " will be a part of your calculated minimum required payment, '' which is financially impossible and proves that no employee manually reviewed the file. ( XXXX XXXX ) XXXX. Active Violation of the Fair Credit Reporting Act ( FCRA ) XXXX administrative negligence has escalated to a violation of the Fair Credit Reporting Act ( FCRA ) : The bank reported to Credit Bureaus XXXX XXXX ) that the cardholder has opened a " new dispute '' ( XXXX XXXX ) This report is entirely false, unsolicited by me, and is the direct result of the bank 's internal generation of disputes. 
This false annotation has actively damaged my impeccable XXXX score ( XXXX ). 
My case is not an isolated error ; Synchrony 's dispute management constitutes a systemic pattern of negligence that affects multiple consumers. ( 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 2025-12-03 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: AZ

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 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: AZ

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
I am disputing a fraudulent collection account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I did not open or authorize. I have filed an FTC Identity Theft Affidavit and provided identification and proof of address. 

This account continues to be reported inaccurately. No Date Opened, XXXX, XXXX Code, Account Status Code, Original Creditor Name, or investigation notes are provided. The balance remains static across all bureaus, indicating automated reporting rather than real verification.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this second complaint because several unauthorized inquiries continue to appear on my credit report, even after my first dispute submitted on XXXX. The credit bureau did not provide proof of permissible purpose under FCRA 604 ( a ) ( 2 ), nor did they supply the Method of Verification required under FCRA 611 ( a ) ( 7 ). 

I specifically requested written documentation showing who accessed my credit file, for what purpose, and with what authorization. Instead, I only received a generic response stating that the inquiries were verified, without any supporting evidence. This does not meet the FCRA reinvestigation requirements under 611 ( a ) ( 1 ). 

The creditors involved have not presented any original documentation or written authorization for the following inquiries, which I continue to dispute : Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX CAR, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX MORTGAGE, Date of Inquiry : XX/XX/XXXX Because the bureau has not provided verification evidence and the inquiries remain unverified, their continued reporting affects the accuracy of my credit report in violation of FCRA 607 ( b ). 

I am requesting CFPB assistance to ensure a proper reinvestigation and the removal of any inquiry that can not be verified with original written authorization.

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 2025-12-03 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : : XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$23000.00}, XXXX XXXX XXXX XXXX XXXX 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 explanation