vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : 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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I recently reviewed my credit reports and was shocked to find multiple collection accounts from Syncb/Care credit for what is purported to be utilities debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-16 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2025

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 2025-06-16 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-06-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a car hood using my debit card from a merchant who advertised the part as custom-painted to match a specific color code. However, the part I received was not painted in the correct color as promised. I attempted for several weeks to resolve the issue directly with the merchant, but my efforts were either ignored or dismissed, with no resolution provided. 

As a result, I initiated a dispute with Truist. My dispute was initially denied, stating that this was a customer service issue, so I requested that it be reopened and submitted additional supporting documentation, including photos of the incorrect product, evidence of the expected color code, and records of my attempts to resolve the issue with the merchant. The dispute ID is XXXX. 

Truist informed me that the dispute could take up to 180 days to investigate but stated they would not issue a provisional credit in the meantimeclaiming I had not used my debit card for the purchase, even though I did. I believe Im entitled to a provisional credit while the investigation is ongoing, especially considering I was misled by the merchant and paid for a product that was not as described.

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 2025-06-16 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 MD XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-06-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding a fraudulent American Express account that continues to appear on my credit report, despite previously being identified as a result of identity theft and removed. I am seeking your assistance to resolve this ongoing issue.I discovered an unauthorized American Express account on my credit report. I immediately took action by filing a police report and notifying both American Express and the credit bureaus. After reviewing the documentation I provided, the credit bureaus and American Express removed the account from my credit reports. 
However, approximately one month later, the same account was re-reported to the credit bureaus by American Express without any explanation or prior notice. I have made multiple attempts over the last six months to get this account permanently removed, including resubmitting my police report and supporting documents. Despite my efforts, the account continues to appear, negatively impacting my credit standing.

This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which requires consumer reporting agencies to block information that results from identity theft within four business days of receiving proper documentation.

I respectfully ask that the CFPB assist in ensuring that my consumer rights are upheld and that this matter is permanently resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My employer had conducted a credit check as I am in process of getting licensed by XXXX. They sent me an item to resolve on my XXXX for XXXX XXXX XXXX. This item does not show up when I check my credit report on XXXX XXXX or with any of the credit bureaus websites. It does show up in my credit report history as disputed. It appears that it has been removed! I contacted XXXX XXXX and was told they could not assist me with any questions regarding the account since it was sent to a collections agency-XXXX XXXXXXXX XXXX . They could not even provide me with a balance. So I called the collections agency. They have no record of this balance. They only have a balance of {$110.00} for a separate XXXX XXXX account that was sent to them. The balance in question is {$670.00}. These are for 2 separate accounts. I gave my employer this info and they asked for documentation showing it's been disputed. I sent them what I see in XXXX XXXX and balance info from XXXX XXXX but they need something showing it's been disputed and I do not know how to get what they need. I am not certain as to why this item is showing up as unresolved when on my side, it's showing it's been disputed and removed. Overall, it's causing issues for me and I feel as though my credibility is at stake here. One thing I can say is sometime after this bill, I used a 3rd party XXXX XXXX XXXX to help fix my credit. I have a brief email stating they sent letters for discovery to XXXX but that is it. I am no longer a customer of there's so I have no way of gathering anything else from them. 
Creditor : XXXX XXXX Balance : {$670.00} Account opened : XX/XX/XXXX Showing Closed on XXXX : XX/XX/XXXX XXXX XXXX Remark states : Charged off as bad debt. Account information disputed by consumer, meets FCRA requirements.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation and immediate removal of several fraudulent and inaccurately reported accounts on my credit report. These accounts are in direct violation of my federally protected consumer rights to privacy, confidentiality, and accurate credit reporting. 
Accounts in Violation : 1. XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX 2. XXXX XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  4. XXXX o Reference Number : XXXX o Creditor Account # : XXXX FCRA Violations : 15 U.S.C. 1681 ( 602 ) ( a ) : I have a right to privacy. These accounts were added without my consent or knowledge.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report adverse items of information older than 7 years. Some of the accounts appear to be outdated or have inaccurate dates.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A data furnisher may not report information that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : A credit reporting agency can not furnish a consumer report without written instructions from the consumer. 
Context : I was a victim of a data breach between XXXX, and received multiple notices from different hospitals that my personal information was compromised. Shortly afterward, fraudulent accounts were added to my credit report, including those from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX. I did not authorize or open these accounts. 
Despite initiating disputes with the credit bureaus and directly with XXXX XXXX, and being informed that the accounts would be removed, they still appear on my credit report and are severely damaging my credit profile. 
Additional Request : There are currently more than 8 inaccurate variations of my name listed on my credit report. My legal and correct name is : XXXX XXXX XXXX Please update and correct all instances of my name on my credit profile to reflect this accurately.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
Recently I reviewed my Equifax credit report and found multiple accounts that I believe contain inaccurate or outdated information. These accounts are negatively impacting my credit profile. I am requesting a full investigation into each account listed below. If any information can not be verified with documentation, I request that the respective accounts be permanently deleted from my credit report : XXXX XX/XX/XXXXAccount Number XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : * XXXX XXXX XXXX XXXX Account Number :XX/XX/XXXX XX/XX/XXXX Account Number : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
This is my third formal complaint against JPMorgan Chase Bank regarding the same unresolved issue. 

My Chase XXXX XXXX case number is XXXX, and my previous two CFPB complaint numbers are XXXX and XXXX. Despite these efforts, Chase is still holding {$2500.00} of my personal funds with no proper resolution or explanation. 

The funds were deposited into my personal Chase checking account using legitimate business checks issued to me personally not a business account. I provided : Full business names and phone numbers for verification, Proof that checks were made payable to me, Direct communication with the Executive Office and escalation support.

Still, Chase failed to verify or return the funds. Even worse, they sent the exact same letter twice, ignoring the urgency of my situation and clearly stalling the process. 

Because of their delay : Im now at risk of vehicle repossession due to a missed car payment. 
I have fallen behind on my Chase Freedom credit card, and my credit score is dropping. 
My family is under severe financial pressure while Chase continues to withhold my money. 

This is financial abuse and mismanagement, not a simple customer service delay. Chase knows who I am at this point by name and their failure to resolve this matter after three CFPB complaints shows gross negligence. I am requesting immediate release of the full {$2500.00} or return of the unverified checks to the issuing banks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief