vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
To Whom It May Concern, I am writing in regard to a debt XXXX XXXX you have reported under my name. I hereby dispute the validity of this alleged debt and request immediate validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

To date, I have not received any supporting documentation that establishes the legitimacy or ownership of this alleged debt. Pursuant to the XXXXXXXX XXXX XXXX XXXX XXXX, as recognized in XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, your silence and failure to provide validation where there is a legal duty to do so constitutes an admission. Therefore, I must presume that no such debt exists in fact or law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and inconsistent credit reporting on my XXXX XXXX ( XXXX ) auto loan account, referenced as XXXXXXXX XXXX XXXX XXXX XXXX across TransUnion, XXXX  and Equifax. While the account is correctly listed as closed and paid with a {$0.00} balance, all three credit bureaus are reporting a XXXX late payment for XX/XX/XXXX. This is my primary concern. I am requesting that the CFPB highlight this issue and require XXXX XXXX and the credit bureaus to furnish full documentation proving the late payment occurred, such as billing statements, due dates, payment records, and any official correspondence. If such evidence can not be provided, this derogatory remark must be permanently removed from all credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, there are multiple data inconsistencies across the bureaus, including different dates for account opening ( XX/XX/XXXX on TransUnion vs. XX/XX/XXXX on XXXX and Equifax ), last activity ( ranging from XX/XX/XXXX to XX/XX/XXXX ), and date of last payment. These conflicts call into question the accuracy and reliability of the reporting. The inaccurate late mark has negatively impacted my creditworthiness, resulting in credit denials and financial stress. I respectfully ask the CFPB to ensure that only accurate, verified, and consistent information remains on my credit profile, and that this matter is corrected in a timely manner.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Received blank checks in the mail from XXXX XXXX  trade on an account that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
his letter serves as formal notice and final demand to remove all fraudulent accounts and inaccurate personal information associated with my credit file. I am a confirmed victim of identity theft, as documented in FTC Identity Theft Report XXXX XXXXXXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c2 ), you are legally required to block and permanently delete any information that results from identity theft within four ( 4 ) business days upon receiving appropriate documentation.

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 2025-04-19 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 request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
These companies ran hard inquiries on my credit without my permission. I went to a car dealership and got financing through XXXX XXXX and there was no reason for my credit to be ran multiple times affecting my credit bureau standings and scores. For my equifax report XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX .On my transunion credit report XXXX XXXX XXXX XXXX on XX/XX/XXXX again XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these inquiries were done without my knowledge and are greatly affecting my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
Heres whats wrong or inconsistent with this tradeline across the XXXX bureaus : Account Status Mismatch : TransUnion XXXX Experian show the account as Paid, but Equifax still marks it Derogatory. 
HighCredit vs. Limit Error : Experian lists High Credit as {$0.00} ( when it should be {$3700.00} ) and Equifax shows a {$0.00} credit limit ( should be {$3500.00} ). 
Conflicting Date Last Active & Last Payment : Equifax reports both in XXXX, yet TransUnion XXXX  Experian show activity into XXXX. 
Last Reported Dates Dont Align : TransUnion XXXX Experian : XX/XX/year> ; Equifax XXXX XX/XX/year>. 
Varied Closure Comments : Each bureau uses different wording ( payment after chargeoff, settled for less than full balance, unpaid balance reported as a loss, etc. ) instead of a single, accurate description. 
Incomplete Payment History Display : Experian and Equifax show detailed chargeoff progression, but XXXX XXXX history is blank.

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 2025-04-19 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: TN

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Method of Verification Request under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ) XXXX XXXX XXXXXXXX XXXX {$460.00} Dear Experian, I recently disputed an item on my credit report, and I received your response regarding the outcome of the investigation. However, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) XXXX XXXX XXXX to request the method of verification used to investigate my dispute. 

Please provide me with : XXXX. The name, address, and contact information of the entity that verified the disputed item. 

XXXX. A detailed explanation of the procedure used to verify the accuracy of the information. 


Under the FCRA, you are required to provide this information within XXXX  days of receiving this request. If you fail to comply, I may escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or consider legal action. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 



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 explanation
Consumer complaint received 2025-04-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have XXXX AMEX pre-paid gift cards from XXXX XXXX and XXXX. Both in the amount of XXXX. XXXX gift card has the amount of XXXX remaining and the other is {$35.00}. The card specifically with {$35.00} remaining I can not utilize on any online retailers including ones that I have previously charged to the card. Every single transaction is declined starting from XXXX of XXXX. I finally called the customer service number that is printed on the card tonight, XX/XX/XXXX. I spoke with a woman named XXXX, she specifically had horrible customer service skills, did not offer resolution, and blamed it on both me and the retailer. She repeatedly claimed that the retailer was not requiring the security code and that was causing the decline. I explained multiple times that not only did the retailer require the security code but a previous transaction from the retailer was approved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am filing a formal complaint against Synchrony Bank regarding a closed CareCredit account that is being inaccurately reported across all three credit bureaus. The account is marked as charged off, but is still actively reporting new delinquent paymentsthis is a violation of FCRA 607 ( b ), 611 ( a ), and XXXX XXXX reporting standards. 

On XX/XX/2025, I mailed a formal legal dispute letter to Synchrony Bank demanding validation and correction of this account. In that letter, I cited their failure to ensure accurate and consistent data across XXXX XXXX and XXXX. To date, I have not received any evidence validating the account status or confirming they have investigated or corrected the account.

This reporting is inconsistent across bureaus, with contradictory status indicators including : Charged off Past due Closed with a balance still delinquent These conflicting statuses are legally noncompliant and are actively damaging my credit profile. A previous third-party credit repair company also attempted to address the issue on my behalf, but the problem was never resolved. I am now taking direct legal and regulatory action to correct this myself.

I am requesting that this account be either properly validated or permanently deleted from all credit bureaus in accordance with the FCRA and Synchronys legal obligations.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My banking debit card with Navy Federal credit Union has been compromised. I have reported the transactions it was valued at all almost {$6000.00} and while speaking with the customer service agent, she assured me and promised me a provisional credit for all the money that was stolen within two hours of that day on Thursday morning. It is now Saturday afternoon. Ive called Navy Federal from Thursday till Saturday a total of 10 times checking on the status and my provisional credit. They keep giving me the runaround with dates and times and Im just asking for my provisional/temporary credit of the {$6000.00} that was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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 Adjusters, LLC
State: OK

Complaint narrative:
The company was sent a copy of my report to FTC then was considered XXXX by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
The collection company has sent over an invoice from XXXX XXXX XXXX. XXXX. XXXX. I am questioning the validity of the invoice and the debt. The invoice lists an address that is in XXXX, XXXX XXXX XXXX XXXX XXXX is in XXXX, XXXX XXXX my home town. There is also not a phone number listed for me to call and request information from the XXXX XXXX XXXX. XXXX. Services. The number listed for the XXXX XXXX XXXX. XXXX. XXXX yields a XXXX area code ( XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX hours away. Also, there appear to be listings where my insurance provider has paid the listed charges. I am not able to verify however with the information presented to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit,

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 2025-04-19 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: NJ

Complaint narrative:
I amwriting to delete the following information from my file. The items in deleted are listed in the report i am a big tambin of identity theft and i da not make chance. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/25, I placed an order with a business for {$15.00}. I never received any processing or shipping updates about my order. I requested to cancel my order because I never received it. The business never responded to any of my attempts at contacting them. So in turn, I contacted Cash App. On XX/XX/25, I tried to dispute the transaction to get my money back, but they denied it. On XX/XX/25, they denied my dispute. According to Cash App, their investigation has led us to determine that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. The business never sent what I ordered, but Cash App determined that they fulfilled their obligations. That same day I reached out to support, but they werent any help. They can not help with transactions outside of their dispute process, and there isnt any other way to get into contact with anyone from Cash App outside of their support messaging within their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
In XX/XX/year>, it was announced that federal student loans may be transferred to the XXXX. This has caused major confusion and uncertainty. I have not received clear communication about how this affects my loan, repayment, or forgiveness eligibility. This reflects poor management and has left borrowers without proper guidance. I believe this mismanagement warrants loan cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I am a victim of identity theft. My ChexSystems report contains multiple unauthorized inquiries that I did not initiate or authorize. These inquiries were made without my knowledge and are the result of fraudulent use of my personal information. 

I am requesting that ChexSystems remove the following unauthorized inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have previously submitted the following supporting documents : FTC Identity Theft Report Copy of my government-issued photo ID Proof of current address These inquiries were not authorized and are contributing to financial harm. I am asking that ChexSystems be directed to delete these unauthorized inquiries and send me written confirmation of their removal. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
Heres whats wrong or inconsistent with this tradeline across the XXXX bureaus : Account Status Mismatch : TransUnion XXXX Experian show the account as Paid, but Equifax still marks it Derogatory. 
HighCredit vs. Limit Error : Experian lists High Credit as {$0.00} ( when it should be {$3700.00} ) and Equifax shows a {$0.00} credit limit ( should be {$3500.00} ). 
Conflicting Date Last Active & Last Payment : Equifax reports both in XXXX, yet TransUnion XXXX  Experian show activity into XXXX. 
Last Reported Dates Dont Align : TransUnion XXXX Experian : XX/XX/year> ; Equifax XXXX XX/XX/year>. 
Varied Closure Comments : Each bureau uses different wording ( payment after chargeoff, settled for less than full balance, unpaid balance reported as a loss, etc. ) instead of a single, accurate description. 
Incomplete Payment History Display : Experian and Equifax show detailed chargeoff progression, but XXXX XXXX history is blank.

Company response to consumer: Closed with non-monetary relief