vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been getting numerous harassing phone calls and messages from synchrony bank and I DO NOT HAVE ANY ACCOUNT WITH THEM OR ANYTHING TO DO WITH THEM. I've told them this when I called on XX/XX/year> and waited over XXXX minutes to speak with a man who said he would remove my phone number from the call list because he asked my social security number many times and it did not match the debt they were harassing me about. Yesterday I had to call again and wait even longer, they also transferred me to a fraud specialist who asked too many personal questions ( especially since ce I do not have an account or matching social security number to the debted account in question ) and said that he would forward my I inquiry to fraud department. He also said that he would stop the account in question and the phone calls until the investigation was done, but sadly I just woke up to yet another voicemail from them! I'm so sick of begging them to leave me alone, now I'm begging you to please help me force them to leave me alone. Again I have NO DEBT WITH THEM WHATSOEVER and I DO NOT EVEN HAVE AN ACCOUNT WITH THEM. All they are doing is linking my cell phone number to this debt! All they can say is my name is similar and my phone number matches! They admit the account in question has a different social security number too! The voicemails they leave daily are for XXXX XXXX. My full name is XXXX XXXX XXXX XXXX XXXX. I also have applied for care credit with the company that uses synchrony bank to collect their debts, however I was DENIED help/credit both times in the recent past ( last time was XXXX this year ) and my poor sweet cat died as a result of being denied. This is actually very painful each time they call me looking for someone else because it reminds me of my cats unnecessary death every time. Please help me! Please slap them around because even though they don't have my social security number tied to a debt they admit to abusing my phone number they tied to it. Only my phone number is tied to the account and like I told them, phone numbers change constantly, social security numbers do not. They need to be punished for doing this! I am XXXX and barely able to fight this. I asked XXXX different days now for this to stop and it continues, I don't know what else to do. I really don't want to change my phone number because my kids in foster care have it, and no way of getting any new phone number I get. Thank you very much.

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 2025-07-04 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: AZ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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 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 XXXX  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 XXXX 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 2025-07-04 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: PA

Complaint narrative:
XX/XX/scrub>/25 - Sent Experian dispute letter outlining 16 errors on the report regarding collection status on my XXXX XXXX XXXX XXXX  Account. Experian has 11 ( 69 % ) of the 16 errors. I attached copies of all XXXX and XXXX  reports to show all Collection info was being reportedly wrong on all three bureaus. Experian did not properly investigate because XXXX  was sent the same complaint on the same date and their investigation show my complaints to be true and has deleted the account as per consumer law 15 USC 1681 ( see attached proof regarding XXXX  deletion ).

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law.

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices.

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under 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 2025-07-04 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: MIDFIRST BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  # XXXX Thank you for reviewing my complaint regarding XXXX XXXX  under complaint XXXX. I am writing to express my dissatisfaction with the companys response. 

The core issue in my complaint was XXXX reporting of an incorrect date of first delinquency, which negatively impacts my creditworthiness. Rather than directly addressing or correcting this reporting error, the companys response deflects the issue by suggesting I may have been a victim of fraud, without providing any supporting evidence or documentation to substantiate that claim. 

This tactic does not resolve the reporting error and appears to bypass their legal obligation to ensure accuracy under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires furnishers to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Additionally, despite my previous disputes directly with XXXX and the credit bureaus, the inaccurate date of delinquency has not been corrected. This continued inaction suggests either a failure to investigate properly or a disregard for compliance standards. 

I respectfully request that the CFPB review whether XXXX XXXX conducted a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) and whether they can produce verification of the reported delinquency date.

Thank you again for your work in protecting consumers and for your assistance with this matter. 

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 2025-07-04 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Creditor 1 : XXXX XXXX XXXXXX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Category : Identity Theft False foreclosure reporting Company Name : Unknown ( No company name listed reporting anonymously or fraudulently ) Description : A fraudulent foreclosure was reported on my credit file as a real estate sale dated XX/XX/year>, showing a {$10000.00} transfer of property. However, I was physically present at that auction and had already filed an affidavit of ownership and contest with the court prior to the sale. There was no valid mortgage, no lender listed, no judgment, no legal bidder, and no actual lawful transaction. This was NOT present 3 week ago on my credit report. 
This foreclosure was fraudulently executed using my deceased husbands identity 15 months after his death. It is the exact subject of multiple federal investigations, including an open case with the FTC for identity theft, as well as ongoing reviews by HUD, FHA, and the Office of Inspector General. There is no mortgage listed on either of our credit reports, and the foreclosure entry appeared without naming any lender or servicer only a vague, unverified {$10000.00} transaction. 
This false reporting was added even though my credit file was already frozen at the time. I have also been blocked from accessing Experian and TransUnion, raising serious concerns about the integrity of my data and possible coordinated tampering across bureaus. 
This fraudulent foreclosure entry is not only baseless, but weaponizes a deceased individuals stolen identity, and misrepresents both ownership and legal process in a way that violates the Fair Credit Reporting Act and multiple other statutes.

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint because Chase Bank wrongfully placed my checking account into a closing status without any notice and held my paycheck without allowing me to access my funds. 

On XX/XX/year>, my paycheck was direct-deposited into my Chase checking account. However, I was unable to access the money because Chase had placed my account in a closing status without warning. I received no email, letter, or call about the account closure and was not given an opportunity to respond or correct any issue. 

This caused major hardship on a national holiday when I needed funds for food, transportation, and urgent personal expenses. I contacted Chase and received no clear explanation or timeline for when I would regain access to my money.

I am requesting that : My paycheck and account balance be released immediately I receive a full explanation for the account closure Chase be held accountable for failing to provide notice or timely access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: LA

Complaint narrative:
I am filing this complaint against Experian for reporting derogatory informationspecifically late paymentson my credit report without my knowledge, authorization, or written consent.

I will be attaching the letter I mailed to Experian.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is legally required to maintain reasonable procedures to assure the maximum possible accuracy of the information it reports. However, Experian is furnishing late payment data that I have not authorized, and that remains unverified and unvalidated despite my written disputes.

Additionally, per 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), once a debt is disputed in writing, all collection activity must cease until proper validation is provided. I submitted a timely dispute and specifically requested validation of the debt and evidence of my written consent allowing the reporting of this information. No such documentation has been provided by the original creditor, data furnisher, or Experian.

Furthermore, the financial relationship between myself and the original creditor is private. Unless I have given explicit, written consent, no third-party agencysuch as Experianshould have access to or be allowed to publicly share or report the details of that relationship. To date, there is no evidence that such consent exists. Experian has failed to demonstrate any legal basis for accessing and reporting this private information.

I respectfully request that the CFPB investigate Experians handling of this matter and compel them to either produce documented evidence of my written consentor permanently remove the disputed 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 2025-07-04 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: NY

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 Services , 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 NY XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 : {$3600.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX 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 2025-07-04 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: TX

Complaint narrative:
The credit bureaus keep saying I can talk to them and they will fix it and they do nothing, then I hire several companies and all they do is say the letters didnt appear to come from you. This has been going on for years this not right..,

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus keep saying I can talk to them and they will fix it and they do nothing, then I hire several companies and all they do is say the letters didnt appear to come from you. This has been going on for years this not right..,

Company response to consumer: Closed with explanation