vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX  XXXX XX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-06 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: NY

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Ac

t ( 15 U.S.C. 1681c-2 ( a
) ), please block and delete these items within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/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 2025-06-06 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: NY

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Ac

t ( 15 U.S.C. 1681c-2 ( a
) ), please block and delete these items within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed a credit inquiry from a company that Ive never interacted with and certainly did not give permission to access my credit report. I have no relationship with this company and did not authorize this inquiry in any way.

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 2025-06-06 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: FL

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} Inquiries XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
What happened : I have a XXXX XXXX credit card issued by Citibank, which I applied for and used once online to purchase appliances. I never activated the physical card that was mailed to meit has remained in my locked safe, still unactivated with the original activation sticker. 

On XX/XX/year>, I noticed an unexpected auto-debit from my checking account for a minimum payment to Citi. My XXXX XXXX card has had a {$0.00} balance for years, so I logged into my account and discovered a new, unauthorized transaction for {$1900.00}. I immediately contacted Citibank to report it as fraud. This is Case # XXXX according to their records. 

While following up with XXXX XXXX and Citis fraud teams, I was told the purchase occurred in-store and that the item had later been returned for cash. This was especially concerning, as it indicates someone used my account fraudulently, and the store and Citi allowed the transaction and refund to occur without properly verifying identity or card activation status. 

Despite my immediate fraud report, and despite the physical card never being activated or used, Citibank sent me a letter on XX/XX/year> stating thatbecause the transaction happened near where I livethey have determined it was not fraud and are rebilling the charge to me. 

Why Im filing this complaint : Citibank has failed to properly investigate this fraud claim and is holding me liable for a charge I clearly did not authorize or benefit from. The card has not been activated or used physically, and I reported the fraud immediately upon discovery. The cardholder agreement outlines protections against unauthorized charges, and I believe Citi is violating those terms. Additionally, XXXX XXXX enabled this fraud by not requiring identification for either the purchase or the cash return.

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 2025-06-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank automatically closed my XXXX  ending in XXXX opened on XX/XX/XXXX, without informing me. The funds ( {$10000.00} ) that were in the account were transferred from my XXXX XXXX XXXX account ( ending in XXXX ). These funds also disappeared. Synchrony bank claimed that the funds were in fact not mine and were due to an erroneous deposit into my XXXX XXXX XXXX account on XX/XX/XXXX. SO they proceeded to close my XXXX  without informing me, and removed from the funds in my account on XX/XX/XXXX. I was not informed of any of either the XXXX closing or the reversal of the funds, and just happened to discover the discrepancy.

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 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX XXXX regarding a XXXX XXXX account for an XXXX XXXX that I did not open or authorize. I have never owned an XXXX or done business with XXXX. The agreement they provided shows a XXXX, XXXX  XXXX address. I live in XXXX XXXX and have never lived in XXXX. There is no signed contract, no delivery confirmation, and the payment history lists debit card attempts that do not match any card Ive ever owned. 

This is clearly a case of identity theft. I have filed a report with the FTC ( Report # XXXX ) and notified the collector. I am requesting that this account be permanently removed from their system and never reported to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im reaching out because theres an item on my credit report that I believe is inaccurate and not in line with the Fair Credit Reporting Acts requirement for maximum possible accuracy.

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 2025-06-06 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: NY

Complaint narrative:
I am filing this complaint because TransUnion has repeatedly failed to resolve an inaccurate entry on my credit report concerning my XXXX card account ending in XXXX. This account is incorrectly reporting XXXX late payments. I have formally disputed this inaccurate information with TransUnion on multiple occasions, including via correspondence sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these attempts, the erroneous late payments remain on my report, and I have not received satisfactory evidence of a proper and reasonable reinvestigation as required by federal law. The legally mandated timeframe for resolving such disputes has been significantly exceeded, with the XXXX timeframe being exceeded by over XXXX  days. 





TransUnion 's most recent communication, an email received on XX/XX/XXXX, states : " It's been XXXX days since we received your dispute and we're still waiting for a response from your creditor ( XXXX ). We'll notify you when your dispute is completed. '' This indicates that TransUnion has not completed their investigation within the required timeframe, despite multiple prior disputes on the same issue. 

My continued dispute is based on the inaccuracy of these reported late payments. I am concerned that TransUnion 's handling of my dispute may reflect systemic issues that have been the subject of recent legal and regulatory actions against the company by the CFPB and FTC, regarding inaccurate reporting and inadequate handling of consumer disputes. 



Under the Fair Credit Reporting Act ( FCRA ), TransUnion has clear obligations to ensure the maximum possible accuracy of the information it reports and to conduct thorough reinvestigations of disputed items ( 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ) ). The persistent inaccurate information on my report, despite my repeated disputes and the exceeding of legal timeframes, constitutes a violation of my rights as a consumer. 





I demand the immediate removal of the inaccurate late payments associated with XXXX account ending in XXXX. I also request a bona fide and reasonable reinvestigation of this disputed information, with written confirmation of the deletion of these inaccurate late payments from my credit report, and that all responses and investigation results be sent via U.S. Mail only. 


I have attached copies of my driver 's license and a recent utility bill to verify my identity and address, as previously requested.

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 2025-06-06 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Synchronys Purchase Dissatisfaction Policy ( as described in their cardmember agreement ) explicitly allows a consumer to dispute a purchase when the product is materially not as described and the merchant refuses to resolve. Instead of applying their policys written guidelines, Synchrony has repeatedly invoked my signed invoice ( signed prior to use of the product ) to deny my claimdespite the fact that the mattress was never fit for its intended purpose. XXXX XXXX XXXX ( XXXX XXXX XXXX acknowledges receipt of my escalation but has refused any written confirmation that my account is resolved, leaving me in limbo. Synchronys conduct effectively renders their dissatisfaction protection meaningless. They have placed me on the hook for a product that caused medical harm and was never fit for use, refusing to provide any meaningful remedy. Synchrony has now rereported an outstanding balance on all three credit bureaus even after my dispute, effectively ignoring both the dissatisfaction policy and my documented attempts to address the problem. Over the course of using the product, my wife and I experienced XXXX XXXX, persistent restlessness, and overall decline in well-being. Symptoms escalated to headaches, muscle soreness, XXXX from lack of sleep, and increased XXXX  about going to sleep. The app and bed also repeatedly malfunctioned, stating that we were out of the bed despite being in it.

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 2025-06-06 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: IL

Complaint narrative:
I am writing to refile my complaint to EXPERIAN regarding the unresolved fraudulent accounts still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report Number : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA.

Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.

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 2025-06-06 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:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3400.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3400.00} Inquiries XXXX OF XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX FL, XXXX DOB : XX/XX/XXXX SSN : XXXX Dear Experian, XXXX XXXX XXXXXXXX, XXXX , TXXXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. 
Please remove the following fraudulent information. I have never given my permission to report this information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


Fraudulent Collection : XXXX XXXX XXXX XX/XX/XXXX Original credito : XXXX XXXX XXXX XXXX Fraudulent Inquiries : 1 ) XXXX XXXX : XXXX XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXXXX/XX/XXXX 7 ) XXXX- XXXX XXXX Froudulent Adresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Froudulent names : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased Amex E Gift card from XXXX via XXXX application. In the description, they say I can use everywhere in the states but I can not use anywhere. Even the XXXX rejected my Amex e-gift card. Totally useless and fraudulent. I want my refund back or solve my problem.

Company response to consumer: Closed with monetary relief