vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 writing to formally dispute the listed accounts, which are not associated with me and were not authorized. Please remove them and complete a review. Documentation is enclosed.

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 2025-11-17 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: AL

Complaint narrative:
I am filing an escalation complaint because Experian, Equifax, and TransUnion have failed to follow the Fair Credit Reporting Act ( FCRA ) after I submitted my full FTC Identity Theft Report ( Report # XXXX ). Even after providing legally sufficient documentation, the credit bureaus continue to report fraudulent accounts, inquiries, and personal information. 

The fraudulent items listed in my FTC report include : Fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 

Fraudulent personal information : incorrect names, multiple addresses, and unauthorized phone numbers. 

Fraudulent inquiries : Certified Credit Report, XXXX XXXX, XXXX XXXX. 

Under FCRA 605B, the bureaus are required to block identity theft information within 4 business days of receiving my identity theft report, proof of identity, and proof of address. They have not done so.

They also violated : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) furnishers continued reporting information known to be inaccurate I am requesting CFPB intervention to enforce the following actions : Removal of all fraudulent accounts, inquiries, and personal information.

Written confirmation from all three credit bureaus after completion. 

Investigation into Experian, Equifax, and TransUnion for failing to follow identity theft blocking requirements and FCRA compliance. 

I declare under penalty of perjury that all information submitted is true and correct. I have attempted to resolve this directly with the credit bureaus, but they have failed to comply with federal law. I am requesting immediate CFPB enforcement.

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 2025-11-17 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: AL

Complaint narrative:
I am filing an escalation complaint because Experian, Equifax, and TransUnion have failed to follow the Fair Credit Reporting Act ( FCRA ) after I submitted my full FTC Identity Theft Report ( Report # XXXX ). Even after providing legally sufficient documentation, the credit bureaus continue to report fraudulent accounts, inquiries, and personal information. 

The fraudulent items listed in my FTC report include : Fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 

Fraudulent personal information : incorrect names, multiple addresses, and unauthorized phone numbers. 

Fraudulent inquiries : Certified Credit Report, XXXX XXXX, XXXX XXXX. 

Under FCRA 605B, the bureaus are required to block identity theft information within 4 business days of receiving my identity theft report, proof of identity, and proof of address. They have not done so.

They also violated : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) furnishers continued reporting information known to be inaccurate I am requesting CFPB intervention to enforce the following actions : Removal of all fraudulent accounts, inquiries, and personal information.

Written confirmation from all three credit bureaus after completion. 

Investigation into Experian, Equifax, and TransUnion for failing to follow identity theft blocking requirements and FCRA compliance. 

I declare under penalty of perjury that all information submitted is true and correct. I have attempted to resolve this directly with the credit bureaus, but they have failed to comply with federal law. I am requesting immediate CFPB enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: SD

Complaint narrative:
I am writing to dispute inaccurate information appearing on my TransUnion credit report. 

Charged-Off 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  I have never received validation of these accounts and do not recall entering into any agreements with these companies. I request verification and removal if not substantiated with signed contracts or account histories. 

Hard Inquiries The following inquiries appear unauthorized or excessive : 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 Many of these occurred within a short period without my explicit consent. Please verify each inquirys permissible purpose and remove any that were not consumer-initiated. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the late payment entries as inaccurate. Please verify this information with complete payment history documentation or remove it if unverifiable. 

I request that TransUnion conduct a full reinvestigation under the Fair Credit Reporting Act and provide results in writing.

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 2025-11-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit. 

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 have been regularly checking my credit reports and scores this year due to pressing needs of me and my family. I have been reaching out to Experian as of recently regarding items that are fraudulent and I was a victim of Identity theft. thus unlawful to post about me. This has caused me both deep XXXX and high anxiety which I have been getting treatment for and along with this I recently suffered with an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Experian being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Experian operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. I demand Experian to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

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 2025-11-17 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: Credit Karma, LLC
State: FL

Complaint narrative:
With Credit Karma, I have fraud on my account of identity theft from XXXX XXXX for the past 6 years. I also have a 50 year protection order against this man. In winter of 2024, I verified my identity, spoke with the fraud department, sent proof of my 50 year protection order and everything else. They never resolved my issue of fixed it they only came up with excuses. Instead, my name XXXX XXXX with the email address of XXXX is not being used but all my confidential information is sent to XXXX XXXX ( XXXX ), the man I have a 50 year protection order on and I am completely unsafe with, allowing it to be sent to his email address that doesnt even match my damn name, but matched his name, making my life continuously dangerous. 

I need help. I also have other fraud from him not just here, help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 writing to dispute inaccurate information on my credit report as provided by Equifax. Below are the details of the accounts in dispute : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a clear violation of my rights under federal law and raises significant concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
HELLO I HAVE SENT DEBT VALIDATION LETTERS TO THIS COMPANY IN REFERENCE TO A DEBIT THEY ARE CLAIMING THAT I OWE for XXXX I HAVE YET TO RECEIVE ANY COMMUNICATION FROM THE COMPANY AFTER THEY FALSELY CONTACTED ME INFORMING ME OF A DEBT THAT WAS OWED. LIKE ANYONE ELSE I CONTACTED THEM TO REQUEST A COPY OF THE DEBT OWED AND THEY IGNORED ME AND CONTINUED TO SEND ME LETTERS AS THE ONES I SENT BELOW. THIS DEBT WAS SETTLED ALMOST FOUR YEARS AGO WHEN I WAS VICTIM OF THE HURRICANE. THE CREDIT CARD COMPANY WAS CONTACTED AND BECAUSE I PAID MONTHLY FOR INSURANCE WITH THE CREDIT CARD I WAS COVERED AND THE CASE WAS CLOSED THE REPRESENTATIVE WISHED ME LUCK. FAST FORWARD TO XX/XX/year> I GET A COLLECTION THAT SHOWS UP ON MY ACCOUNT THAT IS INACCURATE AND I AM GETTING IGNORED AND TOLD TO JUST PAY. THIS IS NOT MY DEBT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS. 
THIS DEBT IS INCORRECT PLEASE REMOVE FROM ALL THREE CREDIT BUREAUS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding information on my credit report that I believe is inaccurate and incomplete. The disputed items do not accurately reflect my true credit history and appear to have been reported in error. 

On reviewing my credit report, I identified entries that contain incorrect information regarding account status, balances, dates, and/or reporting history. These inaccuracies have negatively impacted my credit standing. I did not authorize or initiate any actions that would justify these incorrect entries. 

I attempted to resolve this matter by reviewing my records and confirming that the information being reported does not match my actual account activity. No notices, communications, or valid documentation were provided to me by the company to justify the reporting of these items. 

Under the FCRA, all information furnished to the credit bureaus must be accurate, complete, and verifiable. Because these items are incorrect and the company has not provided any evidence to validate the reporting, I am requesting a full investigation. 

I respectfully ask that the companies involved investigate these inaccuracies and delete any information that can not be verified or that is found to be reported in error.

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 2025-11-17 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-11-17 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 submitting this complaint regarding multiple accounts on my credit report that I believe to be inaccurately reported. The following are the details of the accounts in dispute : Charged Off Accounts : XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} Inquiries : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Positive Accounts : No positive accounts listed for XXXX  at this time. 

Late Payments : XXXX XXXX Account # XXXX XXXX Account # 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 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I opened a store credit card account with Synchrony Bank/XXXX XXXX XXXX XX/XX/XXXX with an initial purchase of {$17000.00}. It took several months for the ability to schedule automatic payments to become available in my online account at XXXX  When I inquired with customer service in XX/XX/XXXX I was told that I would be able to setup automatic payments once the balance posted. That did occur beginning in XX/XX/XXXX, and my account activity on my Synchrony account reflects that. 
I was also told by Synchrony customer service that we would have 12 months of payments before final balance would be due without incurring any interest charges. 
In my online Synchony account, the first payment relected occurred in XX/XX/XXXX. See screenshot attached. 
We are now aware of 2 unexpected interest charges on XX/XX/XXXX of {$6500.00} and XX/XX/XXXX of {$530.00}. 
We received no notification from Synchrony Bank that these interest charges were forthcoming, or that our promotional period was ending.

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 monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to maintain accurate credit information and conduct reasonable investigations, violating multiple sections of the Fair Credit Reporting Act ( FCRA ). The bureaus are reporting fraudulent accounts that devastate my creditworthiness. 

The specific accounts are : XXXX Charge-Off Account # XXXX - Reported with a balance of {$1800.00} across Equifax, Experian, and TransUnion. This is not my account. 

XXXX XXXX Account # XXXX - Reported with a balance of {$15000.00} on TransUnion and Equifax. This is not my account. 

These accounts are the result of either a mixed file or identity theft. The fact that they appear with different details across bureaus proves the underlying data is unreliable and the bureaus ' procedures are fundamentally broken, violating FCRA SECTION 607 ( b ). Their failure to conduct a proper reinvestigation after my disputes is a direct violation of FCRA SECTION 611. The furnishers of this information have likewise failed their duty to investigate under FCRA SECTION 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief