vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-15 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the XXXX XXXX ( XXXX ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-15 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: IL

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing because something unusual has happened with my credit reportssomething that felt so unreal that I had to sit down and put the whole story onto paper. Earlier this month, while reviewing my financial goals, I pulled my credit reports from your agencies, expecting everything to reflect the steady, responsible progress Ive been making. But then I noticed an account that stopped me in my tracks : XXXX, account number XXXX, reporting a {$580.00} balance, supposedly opened on XX/XX/year>, and marked with XXXX, XXXX, XXXX, and even XXXX late payments. What struck me was not just the presence of these entries, but how they appeared to twist my actual history into something unrecognizable. The dates do not align with any legitimate activity, the payment history contradicts the timeline of my employment and banking records, and the account details themselvesits opening date, the sequence of lateness, and the balanceform a pattern that reads more like a mishandled file than a financial reality. As I compared each bureaus version of the same account, I saw inconsistencies that made me feel like XXXX different versions of me had been created on paper, none of them accurate. This collection of errors gives the impression of a single account being reported with mismatched dates, incorrect delinquency patterns, and incomplete verification pathways, all of which misrepresent my actual credit behavior and create a narrative that simply isnt true. 
For that reason, I am respectfully requesting an immediate investigation and full validation of this account. Please verify the accuracy of the dates, the alleged late payments, the reported balance, and whether the account truly belongs to me. If the furnisher can not prove the validity of each detail in compliance with the FCRA, please remove the erroneous information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, my XXXX was lost/stolen while on public transit. This device was not passcode-protected and contained sensitive personal data, including account passwords in a note. 
Immediately following the loss, an unauthorized XXXX XXXX transaction of multiple transactions totaling {$400.00} was made from my checking account to a sports betting merchant account that i didnt authorize, there was a deposit of XXXX XXXX from MY sportsbetting account but i never transfer any money after that. 
I filed a dispute with my bank for this fraudulent charge on XX/XX/year>. 
On XX/XX/year>, I received a final letter from the bank denying my claim, stating they " do not find that an error occurred. '' This denial was made before I could provide a formal police report. I have since filed a report with the XXXX  XXXX Police documenting the theft and fraudulent transaction. The bank 's initial investigation was flawed because it did not have this critical evidence of a crime. 
I am asking the bank to re-open the investigation, review the police report I have provided to them, and reverse the fraudulent {$400.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute and request the immediate removal of multiple accounts from my credit reports with Experian, Equifax, and TransUnion that are inaccurate, unverified, and unverifiable, in full compliance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and collection protections under FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ). The accounts in question include XXXX XXXXXXXX XXXX * * * * * * * *, XXXX XXXX XXXX * * * * * * * *, XXXX XXXX XXXX * * * * * * * *, XXXX BANK XXXX XXXX * * * * * * * *, XXXX XXXXXXXX XXXX, XXXX XXXX * * * * * * * *, and XXXX XXXX XXXX * * * * * along with the associated XXXX AI collection originated by MIC XXXX * * * *. These accounts appear inconsistently across the XXXX credit bureaus, lack proper verification or documentation, and are unsubstantiated by the original creditors. The continued reporting of these accounts constitutes inaccurate and misleading information that harms my creditworthiness and violates federal law. I am requesting that all of these accounts be permanently removed from my credit reports, as they are unverifiable, inconsistent, and improperly reported.

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 2025-11-15 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: CA

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, creating difficulties in maintaining my financial stability. I am urgently seeking your assistance in resolving this issue, especially as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this matter would be greatly appreciated and would allow me to proceed with my financial plans. Thank you for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
A Target credit card was opened in my name without my knowledge and I spoke with them on the evening of XXXX. The representative mentioned the card was opened on XXXX. They mentioned their fraud department was closed and to call back tomorrow. There was a charge made of {$370.00}. They mentioned they placed a hold on the card so no more transactions can occur. 

I also received fraud at XXXX XXXX and noticed it on XXXX. I spoke with their fraud department to dispute the charge. This was a card I have in my physical possession but have never used or activated it. I originally made a purchase online and used a deferred interest promotion, in which they sent me a credit card. The representative on the phone mentioned this XXXX XXXX card was used in person in the XXXX area, which is odd because I had the card in my physical possession and I've never used it, nor could anyone else in my house have used it. 

THE XXXX XXXX XXXX TX Credit card ending in XXXX {$1000.00} POST DATE XX/XX/year> TYPE purchase MERCHANT CATEGORY Merchandise-XXXX XXXX XXXX STORES REFERENCE NUMBER XXXX I'm worried I'm a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MI

Complaint narrative:
The following reporting accounts are fraudulent please remove now. Transunion and Experian Credit collections opened XXXX with the following account number XXXX {$440.00} XXXX XXXX XXXXXXXX opened XXXX with the following account number XXXX {$390.00} XXXX XXXX opened XXXX with the following account number XXXX {$9700.00} XXXX XXXX  opened XXXX with the following account number XXXX {$2000.00} XXXX XXXX opened XXXX with the following account number XXXX {$770.00}

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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CFPB, I am filing this complaint because Venmo ( issued by Synchrony Bank ) denied my application for the Venmo Credit Card. I am trying to make meaningful improvements to my credit and financial stability, yet I continue to encounter unnecessary barriers when applying for products that could help me build credit responsibly.

This denial is part of a pattern I have experienced with multiple financial institutions, where my attempts to improve my credit are met with repeated rejections without clear or reasonable explanations. I am concerned that Venmo/Synchrony may not be accurately evaluating my creditworthiness or

may be relying on outdated or inconsistent information. I am requesting that the CFPB review this matter, especially because consu
mers trying to rebuild their credit should not be subjected to repeated obstacles without transparency or a fair assessment. I would like Venmo/

Synchrony Bank to provide : 1. A clear, detailed explanation of the specific reasons for the denial. 2. Confirmation that all credit reporting data used in their decision-making was accurate and up-to-date. 3. A review of whether their underwriting process is disproportionately creating barriers for consumers attempting to improve their credit profiles.

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 2025-11-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-15 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TO WHOM IT XXXX CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT FROM THIS COMPANY : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  *, BALANCE : {$16000.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT : XXXX XXXX  ACCOUNT NUMBER : XXXX * * * *, BALANCE : {$16000.00} be UPDATED to PAID AS AGREED OR PAID/NEVER LATE IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: A & O Recovery Solutions, LLC
State: MI

Complaint narrative:
I am filing this complaint because XXXX is reporting false, conflicting, and misleading information on my credit report, and the credit bureaus continue to verify the account without correcting anything. 

The Date of Last Activity appears multiple different ways : XX/XX/year> XX/XX/year> XX/XX/year> again A collection account can not have activity in the future, and XXXX should not be updating the Date of Last Activity unless there is actual consumer activity such as a payment. No payment or contact was made, so updating the XXXX is inaccurate. 

The account is also showing as Closed on some reports and Open on others. A collection account can not be open on one bureau and closed on another. This is contradictory and violates the FCRAs requirement for consistent reporting. 

XXXX is reporting a charge-off status, even though XXXX is a third-party collector. Only original creditors can report charge-offs. This is false and misleading.

The balance reported ( {$2300.00} ) does not match the past due field of {$0.00}, which is another contradiction. Collection accounts do not have past-due fields. 

The creditor remarks also conflict : Subject has not satisfied debt. 

Placed for collection. 

These do not match the account status of Closed.

I have disputed this account multiple times with the credit bureaus, and every time it comes back verified even though the information is obviously inconsistent and incorrect. I do not believe XXXX or the bureaus performed a proper investigation. 

This inaccurate reporting is harming my credit unfairly.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing because something unusual has happened with my credit reportssomething that felt so unreal that I had to sit down and put the whole story onto paper. Earlier this month, while reviewing my financial goals, I pulled my credit reports from your agencies, expecting everything to reflect the steady, responsible progress Ive been making. But then I noticed an account that stopped me in my tracks : XXXX, account number XXXX, reporting a {$580.00} balance, supposedly opened on XX/XX/year>, and marked with XXXX, XXXX, XXXX, and even XXXX late payments. What struck me was not just the presence of these entries, but how they appeared to twist my actual history into something unrecognizable. The dates do not align with any legitimate activity, the payment history contradicts the timeline of my employment and banking records, and the account details themselvesits opening date, the sequence of lateness, and the balanceform a pattern that reads more like a mishandled file than a financial reality. As I compared each bureaus version of the same account, I saw inconsistencies that made me feel like XXXX different versions of me had been created on paper, none of them accurate. This collection of errors gives the impression of a single account being reported with mismatched dates, incorrect delinquency patterns, and incomplete verification pathways, all of which misrepresent my actual credit behavior and create a narrative that simply isnt true. 
For that reason, I am respectfully requesting an immediate investigation and full validation of this account. Please verify the accuracy of the dates, the alleged late payments, the reported balance, and whether the account truly belongs to me. If the furnisher can not prove the validity of each detail in compliance with the FCRA, please remove the erroneous information from my credit file.

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 2025-11-15 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief