vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: NM

Complaint narrative:
This complaint was mistakenly closed. Please see attachment for where we left off, waiting for the company to respond to the full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 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: CA

Complaint narrative:
These accounts are being fraudulently listed under my name without my explicit permission or knowledge, and I have never authorized, overseen, or endorsed them in any form. This is utterly intolerable and a gross violation of my rights, as it injects false and harmful data into my financial record. I treat my credit profile with the highest priority, and the discovery of these unauthorized accounts has triggered extreme anxiety and potential irreversible damage. I require instant, unequivocal clarification on how these accounts surfaced and who bears responsibility for reporting them.

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 2025-10-28 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: CT

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 2025-10-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
I am submitting this notice under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 2 ), regarding an inaccurate and disputed trade line reported by XXXX XXXX XXXX XXXX ( Account XXXX. XXXX ). This account is the subject of active federal litigation in the U.S. District Court for the Eastern District of New York ( Case No. 1:25-cv-05966-EK-SDE ). 
The continued reporting of this trade line during ongoing litigation is misleading and contrary to FCRA 605 ( a ) ( 2 ), which restricts the reporting of accounts that can not be verified or are under legal dispute. 
I respectfully request the CFPBs assistance to ensure the consumer reporting agencies remove or suppress this trade line and confirm compliance with the law. 
Attached is my formal written notice addressed to Experian, Equifax, and TransUnion Legal Departments, along with identifying information and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
b'I am formally disputing the accuracy and completeness of the following information in my credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurately shows delinquency on a paid account. Please verify and correct or delete.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXno Closed accounts with past-due notations that conflict with XXXX  data.\no Please reinvestigate for accuracy.\n3. Dept. of Education Loans (XXXX XXXXno Dispute resolved  consumer disagrees and missing uniformity in payment dates.\no Requires full verification and correction.\nPersonal Information\nRemove old addresses (XXXX XXXX XXXX XXXX XXXX  and alternate names XXXX Keep only current address and legal name.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: WA

Complaint narrative:
In early XX/XX/year> I mailed formal disputes to TransUnion regarding inaccurate and potentially unverifiable information appearing on my credit report. My mailed dispute packet included my U.S. Passport Card, my marriage license showing my legal name change, and a current XXXX utility bill as proof of address. 

On XX/XX/year> I received two postcards from TransUnion. One stated that the item in question does not currently appear on my report. The other stated that they were unable to process my request because the information was unclear or illegible. Both notices were generic form letters that failed to identify which accounts or items were being referenced. My letters were typed, clear, and accompanied by valid identification. TransUnion therefore had all information needed to process the disputes. 

By rejecting or closing the disputes without conducting a reasonable reinvestigation, TransUnion failed to comply with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 3 ) ( A ), which require a proper reinvestigation unless a dispute is frivolous or irrelevant and then only if the consumer is given specific reasons. Their responses provided no such reasons and did not fulfill FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which requires a written summary of the results.

I am requesting the CFPB to review TransUnions handling of my dispute and ensure they conduct a full reinvestigation with a complete written explanation of all findings.

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 2025-10-28 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am disputing inaccurate derogatory reporting by Synchrony Bank / PayPal Credit ( SYNCB/PPC ) across all three major credit bureaus XXXX XXXX XXXX XXXX 

The XXXX report, attached as evidence, shows this account ( # XXXX ) listed as a charge-off, yet no payment history or supporting documentation has been provided. The account was closed in XXXX, but the status date was recently updated to XX/XX/XXXX, creating a misleading and unverifiable entry. 

The same or similar information appears on my XXXX XXXX XXXX  reports. Under 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ), furnishers must report complete and accurate data to each credit bureau XXXX Synchrony Bank has failed to do so. I request a full reinvestigation and correction across all three credit bureaus to ensure uniform accuracy.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my new checking account right before issuing my promotional bonus I opened a Chase Total Checking account around XX/XX/XXXX to qualify for the advertised new-account bonus. I met all of Chases stated requirements, including making direct deposits totaling more than {$500.00} within the required time frame.

After completing the offer terms, I received confirmation from Chase that all qualifying steps were completed and that the bonus would be deposited within five business days. Instead of crediting the bonus, Chase unexpectedly closed my account on or about XX/XX/XXXX, roughly three weeks after opening.

I immediately contacted both Chase Customer Service and the Fraud Department, but no one could explain why the account was closed. I was told there was no information or documented reason available. 

This feels unfair and deceptive, since I fully qualified for the promotion and was told payment was pending. The account was closed without notice, and Chase refused to honor their written offer despite confirming that I met all requirements. I believe this violates Chases own promotional terms and may constitute an unfair or deceptive business practice ( UDAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I noted a hard inquiry from XXXX XXXX XXXX to Experian causing a drop in my score. The hard inquiry was dated XX/XX/year>. I did not apply for credit on that date. I did not authorize any credit reporting. As of that date, I contacted XXXX  and spoke to a woman whose name was XXXX. That's all she would give me said she was a supervisor I asked to speak to her manager, then because experience XXXX to get there, and they're telling me to get it. Resolved through experience so I need to file a complaint against XXXX XXXX XXXX and find out what this hard inquiry is all about. And have it removed from my credit report as I did not authorize or request credit. I did yes in XXXX and that is on my credit report. But nothing in XXXX, I need this resolved ASAP. My account 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 2025-10-28 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:
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Experian * * Subject : Dispute of Inaccurate Credit Information * * Dear Experian, I am writing to formally dispute a negative account listed on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2, which mandates that consumer reporting agencies ensure the accuracy of information in credit reports. 

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 I have never opened this account with XXXX XXXX, nor have I authorized any transactions associated with it. As this information is inaccurate, it is adversely affecting my XXXX XXXX. I request that you investigate this matter and remove the entry if it can not be verified as accurate. 

Enclosed are copies of my identification and any relevant documents to support my claim. I appreciate your prompt attention to this matter and look forward to your response within 30 days. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: TN

Complaint narrative:
I've gotten some phone calls and voicemails left by this company but I don't have any recollection of getting a loan through them not have I received anything in the mail.

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 2025-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CFW Holdings LLC
State: MO

Complaint narrative:
I owe Cash for Whatever XXXX $ for a loan. I called to make payment and they sold the loan. The number they gave me to settle the loan was disconnected. I desperately want to pay this off. Can u help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, managed, or approved any of them. This is unacceptable and misleading, as it reflects false information on my credit profile. I take my financial reputation seriously, and the presence of these unauthorized accounts has caused me serious concern and frustration.

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