vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: FL

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 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 2025-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which requires credit reporting agencies to conduct a reasonable investigation into disputed information. Experian has failed to do so and continues to report inaccurate and harmful items on my credit reportcausing measurable damage to my credit standing and significant emotional distress. 
On XX/XX/year>, I submitted a detailed written dispute to Experian via XXXX XXXX Mail ( Tracking XXXX XXXXXXXX ). My dispute included all required identity verification documents : a government-issued photo ID, Social Security card , and proof of current address. In the letter, I requested a thorough investigation into the inaccurate items and incorrect personal information appearing on my credit report. 
XXXX tracking confirms Experian received my dispute on XX/XX/year>. As of todaywell over XXXX  days laterI have received no response, no update, and no results regarding the outcome of my dispute. This failure to conduct a reinvestigation and respond in a timely manner constitutes a clear violation of Experians legal obligations under the FCRA. 
Under federal law, Experian is required to perform a reasonable investigation and provide the results to the consumer within XXXX  days of receiving a valid dispute. Experian has failed on all counts. This level of negligence obstructs my ability to maintain an accurate credit report and directly affects my financial wellbeing. Furthermore, XXXX  noncompliance undermines consumer trust and casts doubt on its commitment to federal standards. 
I am attaching a copy of my original dispute letter with XXXX certified mail proof of delivery to demonstrate my good-faith effort to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. The accounts are as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MD

Complaint narrative:
On XX/XX/year>, I discovered that LexisNexis is reporting multiple accounts and inquiries that are the result of identity theft. I did not open or authorize any of the listed accounts or activity. 

I have already filed : A report with the Federal Trade Commission ( FTC Report XXXX XXXX XXXX ) A police report with the XXXX XXXX XXXX XXXX XXXX ( Temp Case XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have to call to make payments when I purchase the item. 
I never received a bill when my initial due date was to start making 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 2025-07-21 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: 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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After XXXX days have elapsed, there has been no response from Wells Fargo on their attached XX/XX/25 letter. ( 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 2025-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit reports and discovered multiple hard inquiries that I do not recognize and never authorized. I have not applied for credit, loans, or services from the companies listed, and I have no relationship with them. These inquiries were made without my knowledge or consent and have negatively impacted my credit score.

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. I'm concerned that these inquiries may be the result of fraud or identity theft or were placed on my report in error. I have contacted the credit bureaus directly and submitted dispute letters requesting that they investigate and remove these unauthorized inquiries from my credit file. 

I am requesting the CFPBs assistance in ensuring that these credit bureaus follow proper procedures, investigate the disputed inquiries, and permanently delete them if they are found to be invalid or unauthorized.

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 2025-07-21 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: FL

Complaint narrative:
I recently reviewed my credit reports and discovered multiple hard inquiries that I do not recognize and never authorized. I have not applied for credit, loans, or services from the companies listed, and I have no relationship with them. These inquiries were made without my knowledge or consent and have negatively impacted my credit score.

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. I'm concerned that these inquiries may be the result of fraud or identity theft or were placed on my report in error. I have contacted the credit bureaus directly and submitted dispute letters requesting that they investigate and remove these unauthorized inquiries from my credit file. 

I am requesting the CFPBs assistance in ensuring that these credit bureaus follow proper procedures, investigate the disputed inquiries, and permanently delete them if they are found to be invalid or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Hello. On XX/XX/XXXX at XXXX XXXX, I made a telephone call to Affirm Inc. to ask about a debt. I will send the phone record. I check my credit reports periodically to make sure everything is OK. I saw an account for Affirm I did not recognize. I called and asked the man what is the product or service but I did not get a response. I told him Affirm was on my XXXX credit report. He did not provide any information or ask any questions. I told him this must be fraud. He left the phone and came back a few minutes later and said i would be contacted. I was not contacted and on XX/XX/XXXX I received an email alert from XXXX XXXX about a late payment on my credit record and a huge drop in my XXXX score. After finding out it was for Affirm, I immediately called XX/XX/XXXX at XXXX and spoke to XXXX. I explained everything that happened. She asked if I would like to get it caught up? I said no I want to pay the full {$260.00} balance which I paid. In my conversation with her, I first found out the charge was for a vitamin supplement called XXXX  XXXX. The charge was correct but the automatic payments on my XXXX  XXXX XXXX account said XXXX  XXXX. I told her I asked the man for information on XX/XX/XXXX and if he would have told me the charge was for the vitamin supplement, I would have known it was correct. Also I told her I never received any contact from her company. She said they sent emails in XXXX. I did not locate any email or it could have gone to spam. No phone call or letter from the company for follow up of the debt. They reported me late to XXXX  and I feel that are in violation of the Fair Debt Collections Practices Act under section 809 for validation of debt. I disputed the debt but they would not resolve it and I also disputed with XXXX  and they would not remove the late payment. If I had not received a late payment alert from XXXX XXXX, I still would not know about this. I plan on hiring an attorney and filing a lawsuit for damages. I have over 20 accounts and had a perfect credit record with all 3 credit reporting bureaus, but this has caused a lot of financial damage. Thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: J J Marshall & Associates, Inc
State: IN

Complaint narrative:
All XXXX of my credit reports are being negatively impacted by a collection account that is being falsely reported due to what I believe is retaliation by the original debtor XXXX XXXX XXXX XXXX. I have attempted to dispute this account several times but it continues to come back as validated. The case was dismissed and sealed on XX/XX/XXXX. It was reported on my credit in XX/XX/XXXX. Since then, I have been unable to secure housing my myself and children as well as take advantage of other credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-21 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:
* XXXX XXXX XXXX ( Account ending in XXXX ) : The dates listed for this account are inaccurate. Kindly remove this information from my credit report, as it is not correct. 
n accordance with the Fair Credit Reporting Act, I request the removal of any unverifiable information from my credit report. Under 15 U.S.C. Sec. 1681i ( a ), I understand that a reinvestigation of these disputed items must be completed within 30 days of receipt of this request. I respectfully ask that you expedite and complete your investigation accordingly. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
* XXXX XXXX XXXX ( Account ending in XXXX ) : The dates listed for this account are inaccurate. Kindly remove this information from my credit report, as it is not correct. 
n accordance with the Fair Credit Reporting Act, I request the removal of any unverifiable information from my credit report. Under 15 U.S.C. Sec. 1681i ( a ), I understand that a reinvestigation of these disputed items must be completed within 30 days of receipt of this request. I respectfully ask that you expedite and complete your investigation accordingly. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected or removed.

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 2025-07-21 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: ND

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-21 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing late payments reported on my federal student loan account with XXXX XXXX. Due to shifting Federal policies and poor communication from the servicer, I was not informed when payments were to start. I have since brought my account current and requested a goodwill adjustment, but have not received a resolution. I believe this negative mark is unfair given the unique circumstances and servicer transitions. Under the FCRA furnishers can remove such entries in good faith. I am asking CFPB to help facilitate removal of these late payments from 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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I am not liable for this debt with amsher collection services, I do not have a contract with amsher collection services, LP, they did not provide me with the original contract as i requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I had a Synchrony credit card that was setup on automatic payments. When the payments stopped being taken out of my account, I was not aware nor did I receive any notification from Synchrony. This was XXXX years ago. I have now been contacted by a third party collector, XXXX XXXX, and their hired law firm XXXX XXXX XXXX XXXX XXXX XXXX I was not aware that Synchrony had charged the account off or sold the debt. I never received a proper Right to Cure default from Synchrony. 

The communication with XXXX XXXX  XXXX has been frustrating and confusing. I attempted to work out a payment plan to avoid the entry of judgement against me. I was never informed that I had to file an answer to the Summons & Complaint. I am not sophisticated in the legal process and I was not provided any guidance from XXXX XXXX XXXX. They took advantage of my lack of knowledge and I now have a judgement against me. I was lead to believe that setting up the payment arrangement would resolve the situation and stop the legal process. 

I feel strongly that XXXX XXXX and their attorneys took advantage of my lack of knowledge and suspect they use this tactic against all consumers they collect from. I feel their tactics should be investigated to ensure other consumers do not experience the same.

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