vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This 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 Date : XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$95.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX Date Opened : XXXX, Balance : {$3300.00} 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 2025-09-10 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: TN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
Dear Compliance Officer, I am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), you are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving this notice, my FTC Identity Theft Report, and proof of identity. 
Fraudulent Inquiries to Delete : XXXX XXXX XXXX XXXX Additionally, remove all collections, inquiries, and tradelines related to these accounts, including any reporting by XXXX XXXX XXXX XXXX. 
Applicable Legal Authority : FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires a CRA to block identity theft information within 4 business days after receiving a valid ID theft report and identity proof.

FCRA 611 ( 15 U.S.C. 1681i ) Mandates prompt reinvestigation and correction of inaccurate information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

FCRA 602 ( 15 U.S.C. 1681 ) Establishes your duty to ensure maximum possible accuracy of consumer information.

You are now on notice that continuing to report this fraudulent information will constitute willful noncompliance under FCRA 616 and 617, subjecting your organization to actual, statutory, and punitive damages.

Documents Enclosed : Copy of FTC Identity Theft ReportXX/XX/XXXXXXXX ( signed and dated XX/XX/year> ) FTC REPORT XX/XX/XXXX Government-issued photo ID Proof of current address ( utility bill or bank statement )

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
There is two vehicle auto loans duplicated and I believe some of the payments did not successfully show. My payments should be way lower since I already paid like 1/3 of the vehicle loan or more. Please fix all my 3 credit reports to reflect in great standing and remove the Santander auto loan from all my accounts since my vehicle was successfully refinanced with XXXX XXXX XXXX XXXX. The total for these two auto loans are {$58000.00}. One of them is coming from Santander XXXX  USA for {$29000.00} with 12 % paid off, and then other one is coming from Santander Bank  XXXX {$28000.00} with 14 % paid off. They are both reflecting on my XXXX  Credit bureau so please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I purchased a gold chain from JCPenney located in the XXXX XXXX, XXXX, CA, for {$1700.00}. The receipt describes the chain as XXXX gold, but the physical necklace I was sold is engraved XXXX. This discrepancy suggests I was either sold a mislabeled product or was provided with an item that did not match my receipt. 
After noticing discoloration on the chain, I returned to the JCPenney store. An employee, the jewelry counter supervisor, and later a store superior all confirmed my concern and initially acknowledged that the chain could be returned. However, after further review, they reversed course and claimed the chain I presented was not JCPenneys product which is false. I never swapped or replaced the chain ; this is the exact chain they sold me. 
I financed this purchase through Synchrony Bank ( JCPenney credit account ). I opened a dispute with Synchrony, but they ultimately denied my claim, siding with JCPenney without properly investigating the discrepancy between the receipt ( XXXX ) and the chain ( XXXX ). 
I then escalated my concerns to XXXX XXXX, a JCPenney representative, who initially said she would look into my case. After multiple follow-ups, I received a final email from her simply stating that the stores decision stands claiming again that the returned chain is not JCPenneys product. This ignores the evidence of mislabeling and the conflicting information on my receipt versus the physical item. 
This situation is unfair and deceptive for the following reasons : Deceptive practice / misrepresentation : I was sold an item that does not match the description on the receipt. 
Breach of contract : The product provided does not match the agreed purchase description ( XXXX vs. XXXX ). 
Unfair credit practices : Synchrony Bank failed to conduct a reasonable investigation of my dispute, despite clear evidence. 
Denial of consumer rights : JCPenney has ignored both in-store confirmations and my written communications, leaving me without the product I paid for or a refund.

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 2025-09-10 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: VA

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

1681c2 ) that you, the Equifax 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$4700.00} 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The account was caused by fraud, due to XXXX XXXX  data breach my personal information was compromised and the theft has been ongoing til today. I have requested that this account stop reporting to XXXX XXXX  and XXXX. COMENITY BANK IS VIOLATING MY RIGHTS UNDER THE FCRA LAW 623 ( a ) Accuracy of reporting accounts, FCRA 602 ( a ) Reports must be 100 % accurate, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to know the name, address, and telephone number of whoever provided info on a disputed item, Also, FCRA 605B, ACCOUNTS CAUSED BY FRAUD OR IDENTITY THEFT MUST BE BLOCKED FROM MY CREDIT REPORT Within 4 days COMENITYBANK/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Affirm Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/XXXX I placed an order through affirm for XXXX .. the order went through twice I called to inform affirm that it was a duplicate purchase and instead of giving a credit to 1 account to make a XXXX balance and have 1 purchase to pay. They credited both accounts which makes me have to pay 2 accounts. I did call XXXX and we called affirm together to let them know that there was no duplicate on their end and only received 1 order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have continued to pay on my credit card balance. I have continued to contact credit bureau of out dated credit utilization and balance and payment history. The credit report shows only updated information XXXX and it is now XXXX. I am being told to wait. I havent had no update to my credit report in over 60 days I havent had an update to my credit score in over 70 days. I have been aggressively making credit card payments to XXXX  XXXX and difpute to personal no information I dispute with TransUnion are incorrect. Was told it would be remove through multiple credit repair agencies and all of them are just taking my money. Ive added a new credit card. That information is not updated. My credit report has not updated in 2 plus months. I have been taking all of the recommendations from XXXX XXXX to update my credit score with promises to have it updated and it is no update at all. XXXX  promise that they are sending updates to credit bureau and credit bureau are saying that they only have the changes that was sent to them and nothing has changed since XX/XX/year> for my credit score and credit report. And I keep being told to wait. There are records of phone calls and transactions they have, but all Im being able to receive from these places is outdated not updated information.

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 2025-09-10 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was in XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I rented a car from XXXX and use there issuance to cover my liability while in XXXX XXXX. I confirmed from XXXX if I needed pay any other insurance while in the country and they confirm I do not. ( have in writing ). When in XXXX they charged me {$200.00} saying its not good enough and its the country law. Truth there is not such thing as XXXX law given I already have my coverage and its a scam. 

I disputed with American express and they still favor the rental car with proof provided by the rental car department when signed under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV Funding illegally had my wages garnished on a debt that I was actively disputing, they failed to provide any information, they never served me any court order, I had no idea of any of it and I wasn't notified of any garnishment until AFTER they started garnishment and technically they're not allowed to do so my understanding is anyone who has a subsidy, receives/received food stamps or medicaid they can not garnish my wages and I'm also going to be looking into suing the sheriff that failed to serve me and the judge and everyone involved. They were sending things to my old address and knew what they were doing was illegal. There is NO proof that I was ever served and they did everything to make sure they moved before I was aware of anything in an adequate time because I had proof that they never sent the Information at the time I was disputing with the credit card company and the agency they had 30 days to supply it and are very sneaky. I am going to be gathering signatures to start a class action lawsuit for illegal practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-10 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: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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