vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy.I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account send all documets as i believe this is fraud on my credit report. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k 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 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XXXX, I was checking out at the XXXX XXXX located at XXXX XXXX XXXX XXXX ( Store # XXXX ) when the cashier asked if I wanted to upgrade my membership for {$15.00}. I explicitly stated that I was not interested in anything credit-related and that I did not want a credit card. The cashier assured me that this had nothing to do with a credit card, and that I simply needed to fill out information on the screen to complete the membership upgrade. 

Trusting that this was a routine membership process, I followed the prompts and submitted the requested information. Only after completing the process did the cashier hand me a receipt that included a XXXX XXXX XXXX pre-qualified offer. At that point, I asked what this was about and reiterated that I had made it clear I did not want a credit card. The cashier then stated that it was already processed and nothing could be done. 

I believe this interaction was deceptive and misleading. I was led to believe I was simply upgrading my membership, not applying for a credit card. I did not knowingly authorize a credit application or a hard inquiry on my credit report. I am requesting that this issue be investigated and any associated credit inquiries or accounts be removed and that appropriate action be taken to prevent this type of misrepresentation in the future.

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 2025-06-01 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: WA

Complaint narrative:
CFPB Complaint Reference Number : XXXX In the above complaint, I requested that TransUnion remove every address that is not CURRENT, TRUE, CORRECT, and COMPLETE, per FCRA regulations. 

FCRA 607 ( b ) : Requires furnishers to maintain procedures to ensure the " maximum possible accuracy '' of the information they report. Under 15 U.S.C. 1681i, I am disputing the accuracy and legitimacy of the following collection accounts, which I do not recognize or acknowledge as valid debts :

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 2025-06-01 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have made 13 phone calls over the past four months attempting to resolve and pay this account. I was repeatedly instructed to send a letter confirming I was no longer in a previous credit counseling program, which I did twice. However, the fax number provided was rejected, and subsequently, I was told the mailing address was incorrect. Each time I called, I received conflicting information regarding contact details and mailing instructions. Despite my good faith efforts to settle the account, Comenity Bank sold it to a debt collector. My contacts with Comenity occurred twice in XX/XX/XXXX ( XXXX and XXXX ), and again on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. I was unaware they were closed on weekends until after receiving notification that my account had been transferred to a debt collector, which led me to call for clarification. In addition to my efforts, my in-lawswho have been helping me financiallyalso contacted Comenity multiple times on my behalf to assist with resolving and paying the debt. They were met with the same confusing and unhelpful responses. This further highlights the lack of cooperation and communication on Comenitys part. I also encountered customer service representatives who were often rude, dismissive, and unhelpful. On several occasions, my attempts to resolve the account were met with impatience and a lack of basic respect. This poor treatment compounded the frustration and stress of the situation and significantly delayed my ability to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
XXXX XXXX To Whom It May Concern : Subject : DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIED HARD INQUIRIES VIOLATION OF FCRA This letter is being sent to you in response to your continued failure to remove unverified hard inquiries from my credit report, despite my previous written disputes and the filing of an official complaint with the Federal Trade Commission ( FTC ). 
Let me be clear and unequivocal : You are knowingly reporting inaccurate and unverifiable information on my consumer report. These unauthorized hard inquiries are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which clearly mandates that you are required to investigate and VERIFY disputed items with the original furnishers within 30 days of receiving a consumer dispute.

You have failed to do so.

If you had properly conducted a reinvestigation as required, you would have seen that no verifiable authorization exists for these inquiries, and thus they should have been removed immediately. Instead, you continue to knowingly publish and distribute inaccurate, damaging information on my credit file, constituting willful noncompliance.

Let me remind you : an inquiry is not verifiable unless the furnisher can provide PROOF of my written authorization for the pull. Generic statements from data furnishers claiming I " applied for credit '' are not sufficient under FCRA standards. Unless you can produce a signed application or equivalent written authorization for EACH disputed inquiry, you are legally obligated to delete them.

This is your FINAL NOTICE to : 1. Delete all disputed, unverifiable hard inquiries from my credit report immediately ; - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX 2. Provide me with written confirmation of the removals ; 3. Send me a complete, updated copy of my credit report reflecting these deletions.

If you fail to comply within 15 days of receipt of this letter, I will be left with no choice but to escalate this matter further by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General ; Seeking legal action for damages for your willful and negligent noncompliance with the FCRA, including but not limited to statutory, actual, and punitive damages.

I expect immediate and full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
1. What happened?

I submitted multiple disputes to Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
15 usc 16 92g I need a history of payments made by me on this account I would like to see my signature that I put on a contract guaranteeing I would pay this creditor. 
I'm asking to see if there's any insurance claim file on this debt I would like proof that you have the chain of tittle to collect on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-06-02 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displayong my signature. If not please delete account # XXXX as soon as possible from my report or i will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 an account that appears on my credit report, which I believe does not belong to me. 

The account in question is listed as follows : XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX I have reviewed my credit report carefully, and I have no knowledge of this account, nor have I ever opened or authorized such an account. I suspect this may be the result of a mistake, identity theft, or a mixed file issue. 

According to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the inaccurate account from my credit report. Please provide me with written confirmation of the results of your investigation. 
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than XXXX business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2025-06-02 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX  Accounts XXXX XXXX XXXX XXXX * * * * * * * * * Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Previous XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Previous XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
This is a relatively new card for me. My balance statements go back to XX/XX/year>. My purchase don't match the new balance. This is a Destiny credit card and it's manged by the XXXX XXXX app. The company claims I owe them {$900.00} something dollars. And their XXXX customer service number goes to XXXX. Shut this entire company down!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: MO

Complaint narrative:
I have recently filed a complaint of XXXX XXXX XXXX regarding the runaround about receiving my overpayment. I have spoke to XXXX on several occasions, a supervisor named XXXX that doesnt return calls as well as a supervisor named XXXX that has yet to return my phone calls. They keep telling me a check was reissued and giving false dates on when it was mailed out. Almost every time I ask for a supervisor they say no one is available and when I finally get one they never follow through with the conversation weve had which is to follow up with me. I have only received my check from the gap coverage but has yet to receive my overpayment. I am getting really frustrated because the money from the overpayment is for me to pay bills. I have fallen behind because of this. I told the other car loan company to pay the balance provided so that I could have the check to fall back on that is why I made my last payment which is what caused the overpayment. No one listens because if they do the would have updated my address like they were supposed to almost 2 years ago which is noted in their account as well. When I try to explain to them what I am asking for they over talk me and only provide the information the previous person gave instead of doing their own research. At this point I am ready to just contact my lawyer. I have held off about 13 phone calls ago from submitting this second complaint but I am fed up. I need this fixed asap!!!! Not to mention I was speaking with XXXX today and all of sudden the phone disconnected and when I called back the IVR said they were closed. I hope he didnt hang up on me.

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 2025-05-31 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:
In XXXX, I had a debt with the XXXX XXXX ( XXXX ) which was fully satisfied through automatic deductions from my paycheck that same year. Despite this, the XXXX XXXX reported the account negatively on my credit report years later. 

On or around XX/XX/XXXX, XXXX XXXX ( a now-retired XXXX XXXX representative ) acknowledged via email that the account was to be removed from my credit report and stated a deletion request had been submitted. However, the negative item still remains on XXXX credit bureau. 

Since then, I have contacted the new supervisor " XXXX XXXX '' responsible for the department, but they have provided no resolution or further action. 

This account is inaccurately and unfairly damaging my credit report even though the debt was satisfied years ago. I am requesting the CFPB require the XXXX XXXX to fully delete this entry from ( Equifax ) as originally agreed to in writing. 

Supporting documentation ( emails, payment proof, etc. ) is available upon request.

Company response to consumer: Closed with explanation