vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA and 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. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-04 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: GA

Complaint narrative:
I am filing this complaint because my personal information was compromised in a data breach and used to open unauthorized accounts that now appear on my credit reports with Experian, Equifax, and TransUnion. I did not apply for, authorize, or consent to these accounts or to my personal data being furnished to the credit bureaus. 

I have filed an Identity Theft Report and submitted supporting documentation to Experian, Equifax, and TransUnion in accordance with the Fair Credit Reporting Act ( FCRA ). Despite this, the fraudulent accounts and inquiries have not been removed. 

I will be attaching supportive documentation, including my identity theft report, credit report, proof of address, SSN card, driver 's license, and more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
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is is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX 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 : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX 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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution.

Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ]

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 2025-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like for the below listed names and accounts to be deleted from the 3 cerdit Bureau companies. These accounts has been charged off and closed and The statute of limitations is in effect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. I would like for you To delete the listed above 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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like for the below listed names and accounts to be deleted from the 3 cerdit Bureau companies. These accounts has been charged off and closed and The statute of limitations is in effect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. I would like for you To delete the listed above 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 non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/scrub>, 2025, I received a credit alert informing me that my credit card with Synchrony was reported closed between XX/XX/scrub> 2025 - XX/XX/year>2025. I immediately contacted Synchrony trying to understand why the account was closed and why I was not made aware of this. I explained to the rep that my credit card had expired as of XX/XX/year>2025 and I have not received a new one. The customer service rep informed me that the account was open and she would send my account to the manager and credit team to have this corrected, as well as send me a new card. On XX/XX/scrub> 2025, I call Synchrony again to check the status and after speaking with a manager, I was informed that the account is closed. A ask the manager why I was not informed of the account was at risk of being terminated. There was no balance on the account. The account was in good standing. The manager was unable to provide any insight.

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 2025-08-04 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint regarding XXXX failure to fully refund the {$99.00} annual fee charged on XX/XX/year>, for my Citi AAdvantage XXXX XXXX card. I downgraded this card to the no-annual-fee XXXX XXXX card within the refund window promised by Citi. Despite multiple contacts with Citi, they have only refunded {$74.00}, without any explanation. 

Key Timeline and Facts : XX/XX/year> : Citi charged the {$99.00} annual fee on my XXXX XXXX XXXX card. 

XX/XX/year> : I requested a product change via online chat. The representative confirmed that I was eligible for a full refund if the request was made within XXXX  days of the annual fee charge and said it would be processed within XXXX business days. 

XX/XX/year> : Citi mailed the new XXXX  card, as confirmed by their official letter. This confirms the conversion process was completed internally before or on that date. 

XX/XX/year> : Citi ( XXXX ) emailed me the first account statement under the name XXXX  XXXX XXXX, further confirming the conversion had been completed. 

XX/XX/year> : Citi ( XXXX ) emailed me to confirm that I had activated my XXXX  card. 

XX/XX/year> : Citi posted a partial refund of {$74.00} to my account. 

Immediately after XX/XX/XXXX : I disputed the insufficient refund via online chat and again requested the full refund I was promised. 

XX/XX/year> : I contacted Citi by phone to reiterate my request for a full refund. 

XX/XX/year> : I received a letter from Citi acknowledging my concern, but they provided no explanation of how they calculated the partial refund. 

XX/XX/year> : A Citi representative reconfirmed via chat that the annual fee was charged on XX/XX/XXXX, and the product change was completed on XX/XX/XXXX well within both the XXXX window the representative mentioned and the standard XXXX timeframe commonly used by other major credit card issuers. 

Despite my repeated efforts through chat and phone calls, Citi has not issued the full {$99.00} refund as promised. Their internal processing shows that the product conversion was completed before or on XX/XX/XXXX ( within XXXX  days timeframe ), and I stopped receiving any XXXX XXXX benefits from that date onward. I should not be held financially responsible for any annual fee beyond XX/XX/year>. 

I respectfully request that Citi issue a full refund of the {$99.00} annual fee, in accordance with the XXXX timeframe their own representative stated and/or the standard XXXX refund policy commonly used by other major credit card issuers.

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 monetary relief
Consumer complaint received 2025-08-04 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: CL Holdings LLC
State: AL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX  ] [ XXXX XXXX XXXX ] [ Account Number XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX  XXXX ] Subject : Cease and Desist Demand Dear [ Jefferson Capital SYST ], This letter serves as a formal notice and demand that you immediately cease and desist from [ brief description of the offending behavior or action, e.g., " unauthorized use of my copyrighted material, '' " defamatory statements made about me, '' " harassing communications, '' etc. ]. 

Your actions constitute [ brief legal basis, e.g., " a violation of federal copyright law under Title 17 of the United States Code, '' " defamation under applicable state law, '' " harassment in violation of civil statutes, '' etc. ], and have caused [ describe harm or potential harm, e.g., " damage to my reputation, '' " financial loss, '' " emotional distress, '' etc. ].

You are hereby directed to : 1. Immediately stop [ specific behavior or action ]. 
2. Refrain from engaging in any similar actions in the future.

3. [ Optional : Request specific remedies, such as removing content, returning property, issuing a public apology, etc. ] If you fail to comply with this demand within [ reasonable time frame, e.g., " 10 business days '' ], I will be forced to take appropriate legal action to protect my rights, including but not limited to seeking injunctive relief, monetary damages, and attorneys fees. 

This letter is not a complete or exhaustive statement of my rights, legal claims, or remedies, and nothing herein shall be deemed a waiver of any such rights or remedies. 

I strongly urge you to take this matter seriously and govern yourself accordingly. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
During a recent review of my credit report, I noticed an unfamiliar account that I do not recognize. I have never opened this account, and I have no knowledge of any connection to it.

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 2025-08-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I am disputing a charged-off installment loan originated by XXXX XXXX XXXX and assigned to Velocity Investments , LLC. 

This loan was taken out via a third-party debt relief company, XXXX XXXX, in early XXXX while I was enrolled in a settlement program through XXXX XXXX. The original intent was to consolidate older debts, but I received only {$500.00} of the total loan proceeds, and the rest was disbursed directly to creditors or third parties. I did not clearly authorize or benefit from the full loan amount.

The account was charged off in XX/XX/XXXX, and no collection activity occurred until XX/XX/XXXX, when I received notice from Velocity Investments claiming ownership. This was over 2 months after my written request for validation sent in XX/XX/XXXX to XXXX XXXXVelocity, to which I received no timely response. 

The APR on this loan was exceedingly high, bordering on predatory lending practices, especially considering the distressed financial situation I was in. The lack of transparency, poor communication, and questionable disbursement of funds raise serious concerns regarding unfair or deceptive lending and servicing practices.

I am requesting that XXXX XXXX XXXX XXXX XXXX, and Velocity Investments provide proper documentation and validation of the debt, including a breakdown of funds disbursed, repayment terms, and collection authority. I also request the removal or correction of any inaccurate or misleading tradelines from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: AL

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 2025-08-04 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/year>

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 2025-08-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX The account was paid in full XX/XX/year>, but it shows up as a closed account. I've reached out to the credit bureau on multiple occasions and nothing was done

Company response to consumer: Closed with non-monetary relief