vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: AR

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-11-06 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: AR

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: The Phoenix Recovery Group
State: CT

Complaint narrative:
I submitted a complaint about XXXX  before, and nothing was done there either. 

Long story short, I paid a debt to Phoenix Recovery Group that did not belong to me in exchange for a deletion, and either them or XXXX  is refusing to honor the deletion letter that was furnished directly by PRG as proof. If I knew it would be like that, I could have let the debt sit for 2 more years and let it naturally fall off my credit report. This is highly unprofessional, but trust and believe I have the time to escalate this as far as it needs to go to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit 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: NC

Complaint narrative:
I took my car for a wheel alignment to XXXX XXXX and was billed {$140.00} for the service. After leaving i noticed car is still drifting to the right i called and advised XXXX n was told to bring back they will recheck so next day they rechecked n said everything is fine. i left n was unpleased w there work. A few days later i contacted Nissan n made an appointment to have car checked, in the interim i disputed the charges w sychrony car credit. I went to Nissan on XXXX they inspected n found wheel alignment off advised me n gave me printout showing diagnosis n then performed alignment n gave me paperwork n invoice showing completed work. I then contacted Sychrony cc n uploaded documtation to them the same day in dispute dept. i received notice today my dispute was denied. So i recontacted them n refiled dispute explained its simple as black n white i gave you documtation showing wheel alignment wasnt done correctly n proff on paper was done n paid for at Nissan. 

Synchrony bank phone 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 monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I went to purchase airline tickets and was offered a very nice promotion on a credit card which I usually do not take. I applied for the card and was quickly approved. From there they sent out a temporary card number which I used to try and purchase the tickets but was immediately declined for fraud. I called Citi and they said nothing they could do that I had to wait for a code to be sent via usps. I lost the great deal on airline tickets since I had to wait to use said card to accumulate the points. I eventually got the card and used it to make the purchase. Then a week later I tried to use the card to make the final payment on the trip and again was declined for fraud I called in and spoke XXXX in fraud department he used my cell on file on the card and sent a text but said my phone number of 20 years would not work I need a land line ( I do not have ). Then began to say he was going to send a letter. I quickly asked him to not send the letter because the last instance the escalation team said once the letter was sent they could not fix it. He opted to send it anyways stating that he doesn't need permission to send. Citi is making offers to gain points for the first uses of the card then making so hard to use I can't even get the points and am very literally forced to use other payment methods or to lose the deals I am finding. XXXX sent my call to supervisor XXXX in the fraud department who said she can't discuss the account at all. So I can not make a payment, I can not use my account, I can not get the points that enticed me to apply, I can not get the account verified even though I just got a code in the mail a week ago. So with every use I get flagged for fraud and have to wait to get a code. Again - I lose the points to use another card despite the entire reason I got the card was for the points

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 2025-11-06 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: IN

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at I XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$460.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$880.00} Account name XXXX  XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DPT ED/XXXX # XXXX -- Balance : {$2800.00} - Date Opened : XX/XX/XXXX DPT EDXXXX # XXXX -- Balance : {$2400.00} - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 2025-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I have been making payments toward XXXX. In XX/XX/year>, I reached XXXX payments. Studentaid.gov and XXXX only credited XXXX, when suddenly my loans were put into forbearance without my knowledge or consent for the last XXXX payments. 

I made a XXXX payment for XX/XX/year>. In looking at studentaid.gov, again it says that the payment is ineligible due to forbearance, however, when I look on the list, that loan is not in forbearance and is listed with a due date, yet no payment due. Again this XXXX payment is not being applied. 

I feel that this is fraudulent. I will be making the XXXX payment toward XXXX this month and will also be contacting other consumer agencies to report this and I am consulting with an attorney.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding inaccurate and duplicate reporting by XXXX XXXX XXXX. 

A closed XXXX auto account is appearing twice on my credit report, with different and inaccurate balances. This duplication misrepresents the true amount owed and unfairly damages my credit standing. 

Reporting the same account multiple times violates : 15 U.S.C. 1681e ( b ) requiring credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) requiring deletion or correction of inaccurate or unverifiable information within 30 days of a dispute. 

15 U.S.C. 1681s-2 ( a ) & ( b ) requiring furnishers ( like XXXX ) to report only accurate information and to correct or delete inaccurate data when notified of a dispute. 

Despite submitting disputes to the credit reporting agencies, both duplicate accounts remain. The balances are inconsistent, and the continued reporting of duplicate, inaccurate information violates the FCRAs accuracy and reinvestigation requirements. 

I request CFPB assistance to ensure compliance with these provisions and to protect my credit record from ongoing harm.

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 2025-11-06 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: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding inaccurate and duplicate reporting by XXXX XXXX XXXX. 

A closed XXXX auto account is appearing twice on my credit report, with different and inaccurate balances. This duplication misrepresents the true amount owed and unfairly damages my credit standing. 

Reporting the same account multiple times violates : 15 U.S.C. 1681e ( b ) requiring credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) requiring deletion or correction of inaccurate or unverifiable information within 30 days of a dispute. 

15 U.S.C. 1681s-2 ( a ) & ( b ) requiring furnishers ( like XXXX ) to report only accurate information and to correct or delete inaccurate data when notified of a dispute. 

Despite submitting disputes to the credit reporting agencies, both duplicate accounts remain. The balances are inconsistent, and the continued reporting of duplicate, inaccurate information violates the FCRAs accuracy and reinvestigation requirements. 

I request CFPB assistance to ensure compliance with these provisions and to protect my credit record from ongoing harm.

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-06 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: AR

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-11-06 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-06 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: CITIBANK, N.A.
State: MI

Complaint narrative:
That have my account overdrawn over {$1900.00} for dispute reversal. They have violated their advertisements saying fraud protection.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very upset that the inaccurate late payments continue to show up on my credit report today. They should have already been removed, yet they remain even after I rechecked my account. Please go over the documents I sent right away so I can finally stop worrying about this.

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