vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-12-16 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: MO

Complaint narrative:
This account was reported to the credit bureaus without my prior knowledge or consent, and I never received any communication or documentation regarding this alleged debt from the collector. As such, I question its accuracy, origin, and legitimacy.

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 2025-12-16 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank recently and unilaterally reduced credit limits across several of my accounts at the same time. These accounts were current, paid as agreed, and had no late payments, delinquencies, charge-offs, or other adverse activity. 

As a direct result of these reductions : My available revolving credit decreased sharply My overall credit utilization increased immediately My credit score declined, despite no change in my payment behavior or credit management Credit utilization is a major factor in credit scoring models. By reducing limits across multiple accounts simultaneously, Synchrony Bank created artificial credit risk indicators that do not reflect my actual financial behavior or repayment history. 

I did not receive a clear, individualized explanation identifying specific risk factors that justified these reductions. The actions appear to be automated, broad-based, and disproportionate to my demonstrated creditworthiness. 

While I understand a lenders right to manage portfolio risk, this practice unfairly penalizes responsible consumers and undermines the purpose of credit reporting systems, which are intended to reflect borrower behaviornot lender-initiated reductions.

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 2025-12-16 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: U.S. BANCORP
State: CA

Complaint narrative:
I'm writing to dispute and asking for removal of the following hard inquiries on all XXXX credit report as unauthorized, due to XXXX  XXXX breach. 

I did not authorize these credit checks. Please remove them immediately. 
If these inquiries resulted from identity theft, please provide me with copies of the fraudulent applications per the FCRA.

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 2025-12-16 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate reporting by Experian, Equifax, and TransUnion related to my XXXX account ( Account # XXXX ). Each bureau reports conflicting dates of last activity Experian shows XX/XX/2025, Equifax XX/XX/2025, and TransUnion XX/XX/2025 while simultaneously listing 30, 60, and 90-day late payments that do not align with my documented payment history. These discrepancies have caused significant confusion, negatively impacted my creditworthiness, and created undue stress in my financial planning. Despite providing statements proving timely payments, the bureaus continue to report inconsistent balances, activity dates, and late payments. I have attempted to resolve this directly with the bureaus, citing FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), and 1666 -1666a regarding the duty to investigate and correct reporting errors, yet the inconsistencies remain, and my credit report still contains inaccurate information.

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 2025-12-16 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: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. and TransUnion LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) resulting from their failure to maintain accurate consumer credit files, properly investigate disputes, and delete unverifiable, inaccurate, and obsolete information. My credit reports contain multiple incorrect name variations, including XXXX XXXX XXXX and XXXX XXXX, which are not my legal name and indicate a mixed or contaminated credit file in violation of FCRA 607 ( b ). Both bureaus are also reporting inaccurate and unauthorized address information, including XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX which I did not verify and which are being used to associate inaccurate tradelines with my credit profile. Additionally, Experian and TransUnion are reporting inconsistent and conflicting information for a XXXX XXXX account ending in XXXX, including different Dates of Last Activity and future reporting dates, which can not both be accurate and constitute violations of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) regarding accurate reporting and proper disclosure of the Date of First Delinquency. TransUnion is also reporting a XXXX XXXX XXXX XXXX account ending in XXXX with a balance of {$14000.00} that is not reported by XXXX or Experian at all, raising serious concerns about accuracy, verification, and selective reporting, in violation of FCRA 607 ( b ). Furthermore, some of the information being reported appears obsolete and improperly aged, violating FCRA 605 ( a ). Despite my right to dispute inaccurate information under FCRA 611, these credit reporting agencies have continued to publish damaging inaccuracies that negatively affect my creditworthiness, access to credit, and financial stability, demonstrating a pattern of negligent and potentially willful noncompliance with federal law.

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 2025-12-16 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: NM

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX : {$0.00} Open date XXXX XXXX, XXXX Last activity XX/XX/XXXX, XXXX 30 Days XXXX XXXX  XXXX Balance : {$0.00} Open date XXXX XXXX, XXXX Last activity XX/XX/XXXX XXXX XXXX Balance : XXXX XXXX date XX/XX/XXXX Last activity XX/XX/XXXX Account Delinquent 180 Days Past Due Date XXXX XXXX Balance : {$5800.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Account Delinquent 180 Days Past Due Date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX : {$0.00} Open date XXXX XXXX, XXXX Last activity XX/XX/XXXX, XXXX 30 Days XXXX XXXX  XXXX Balance : {$0.00} Open date XXXX XXXX, XXXX Last activity XX/XX/XXXX XXXX XXXX Balance : XXXX XXXX date XX/XX/XXXX Last activity XX/XX/XXXX Account Delinquent 180 Days Past Due Date XXXX XXXX Balance : {$5800.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Account Delinquent 180 Days Past Due Date

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 2025-12-16 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: FL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. 

Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, Jefferson Capital Systems began reporting a collection account for {$380.00}, with XXXX XXXX  listed as the original creditor. 
I do not recognize this debt. After discovering the account on my credit report, I disputed the account multiple times and requested validation and proof of the debt, including documentation showing the origin of the debt and the companys authority to collect it. Each dispute was denied, and no documentation or verification was provided in response to my requests. 
I also attempted to contact the debt collector on multiple occasions in good faith to obtain clarification and resolve the matter. These attempts did not result in the requested information being provided, and the issue remains unresolved. 
Despite the lack of validation, the account continues to be reported as a collection account with a {$380.00} balance, most recently updated on XX/XX/XXXX. The continued reporting of this account without supporting documentation has negatively impacted my credit report. 
I am requesting that this account be properly validated with complete supporting documentation or removed if it can not be verified. I am also requesting a review of the companys handling of my disputes and validation requests to ensure compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I submitted an original dispute to TransUnion in XX/XX/year> regarding inaccurate account information on my credit report. On XX/XX/year>, I formally requested a Method of Verification ( MOV ) to review the disputed items. TransUnion failed to provide the MOV by XX/XX/year>, despite acknowledging my request. I submitted a second MOV request on XX/XX/year>, followed by a final notice on XX/XX/year>. 

TransUnions responses have been inadequate and delayed. They failed to provide the MOV, did not correct the inaccurate reporting, and did not follow proper procedures under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts and follow-ups, the disputed items remain unresolved, showing a clear failure to conduct a proper investigation and comply with their legal obligations. I am requesting that TransUnion take immediate corrective action to remove or correct the inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am submitting this letter to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report. Upon a thorough review of my file, I have identified several items including my personal identifying information, account reporting, and an inquiry that are inaccurate or unverifiable. These inaccuracies misrepresent my true credit history and negatively affect my financial reputation, creditworthiness, and ability to access credit under fair and accurate terms. I am requesting that Equifax, Experian and TransUnion conduct a complete reinvestigation of the items listed below, verify the information directly with the furnishers, and update or correct all inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) requiring maximum possible accuracy, 611 ( 15 U.S.C. 1681i ) regarding reinvestigation of disputed information, 623 ( a ) ( 2 ) obligating furnishers to correct and update information, 605 ( a ) regarding obsolete or misleading information, and 609 ( 15 U.S.C. 1681g ) regarding my right to obtain supporting documentation. 

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 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  The combination of inaccurate personal information, incorrectly reported late payments, and a potentially unverifiable inquiry represents a significant misrepresentation of my financial history. These errors have the potential to affect my ability to secure credit, result in unfair financial treatment, and create unnecessary confusion for lenders and other institutions. The persistence of these errors, despite my prior review of my credit report and previous disputes, is extremely frustrating.

Company response to consumer: Closed with explanation