vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: NE

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

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$47.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently sent several certified letters asking them to remove the internal blockage on my report that's keeping consumers from accessing the report, which has been affecting my life tremendously. They keep telling me to send more letters. I'm very frustrated at this point this needs to be done asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was alerted by a XXXX email that someone had changed the home address on my XXXX credit card. I could not open the letter in the email because it requires my zip code because someone had fraudulently changed my home address. 

On XX/XX/XXXX, I contacted XXXX by calling their customer service number in order to close my account because of suspected fraud since I did not authorize the address change. The new address was in Kansas according to the XXXX rep. Spoke with a supervisor named XXXX at about XXXX. XXXX told me that she closed my account as I requested ( XXXX ). I live in Florida. She said that she could not change my home address over the phone. I explained that I can't open the letters from XXXX and can only read the emails. The letters from XXXX require me to enter my zip code, but the person who fraudulently accessed my account is the one who changed the home address. 

There were a total of four charges made in Kansas to the card ending in XXXX between XX/XX/XXXX and XX/XX/XXXX in Kansas. In addition, the account was not closed properly or there was a breakdown in communication between XXXX and Synchrony Bank. According to XXXX, a new XXXX card was issued on XX/XX/XXXX with a different account number ending in XXXX to an address in XXXX. Then this person made a fraudulent charge on XX/XX/XXXX according to XXXX. So a new XXXX card was sent to someone in XXXX under my name after my XXXX account was already closed, and I had already alerted them of fraud on my account. 

XXXX XXXX notified me on XX/XX/XXXX ( I saw it on XX/XX/XXXX ) that there was a " Delinquent payment- changed from current to 30 days late '' on my XXXX account. I contacted the XXXX XXXX line and spoke with XXXX at XXXX. She filed XXXX fraud claims. XXXX for the card ending in XXXX ( Kansas charges ) and the other for the card ending in XXXX ( XXXX charges ). My credit dropped XXXX points because of XXXX not taking care of this back in XXXX. I was planning to apply for a home equity loan but can't now until this situation gets corrected. 

The rep I spoke with today ( XXXX ) informed me that this would take about 60 days or so to fix. She said that XXXX will not charge me for the fraudulent purchases and that the credit bureaus will be notified, but I don't have a lot of confidence in them following through since they did not do what they were supposed to do back in XXXX when I originally contacted them. She updated my address so I can now read correspondence from XXXX that they send by email. Why didn't they do this before? Very frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 to have deleted will be attached in a XXXX  document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: AL

Complaint narrative:
Due to losing my job last year, I went to a payment assistance plan to continue making payments. The payment plan reduced my payments from {$460.00} per month to {$200.00} for six months ( only paying interest ). Throughout the last six month, I was told different amounts that needed to be paid to keep the account current. XXXX is my final month for the plan, and it was paid via auto-pay. I have received at least three calls each day from XXXX XXXX stating that my account is {$250.00} past due for the month of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

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 on my XXXX XXXX  account [ XXXX ]. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

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 15 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 2025-06-26 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: TN

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

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} 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 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 : {$950.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXXE - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} 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 : {$7100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} UNKNOWN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC

Complaint narrative:
My credit check monitoring alerted me I had a hard inquiry between XX/XX/XXXXXXXX XXXX XXXX, 2025, however I did not apply for a card. I called the vendor in question ( XXXXIndigo XXXX ) on XX/XX/year> and there was a card recently opened up in my name but they would not give me any further details such as where the card was sent. They apparently have my social and email address. They indicated they would put a block on the card and mail a claim form som I could dispute it. I asked for it to be emailed b/c I am on assignment with the XXXX in XXXX but they will only mail it. An hour or so after the card I received an email that I enrolled in credit protection program. I did not enroll in anything on the call and do not want another credit card for which I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In contacted XXXX to request a voluntary repossession, but they refused, stating they would not accept the vehicle back and would also not repossess it. 
The car had serious problems from the beginning, and the dealership I purchased it from shut down shortly after the sale, leaving me with no support. As I could no longer afford the vehicle or repairs, I donated it to Goodwill on XX/XX/year>, and it was later sold for {$1000.00}. 
Despite no longer possessing the vehicle, XXXX continues to report the account as charged-off and updates it monthly as if it's still delinquent. Even more concerning, they have changed the reported balance multiple times without explanation, which is confusing and misleading. The current balance they report is {$6500.00} at first it was around {$4000.00}. 
I submitted disputes to the credit bureaus and provided documentation of the Goodwill donation, but the inaccurate reporting remains. These actions are damaging my credit score and preventing me from rebuilding financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In contacted XXXX to request a voluntary repossession, but they refused, stating they would not accept the vehicle back and would also not repossess it. 
The car had serious problems from the beginning, and the dealership I purchased it from shut down shortly after the sale, leaving me with no support. As I could no longer afford the vehicle or repairs, I donated it to XXXX on XXXX XXXX XXXXXX/XX/year>, and it was later sold for {$1000.00}. 
Despite no longer possessing the vehicle, XXXX continues to report the account as charged-off and updates it monthly as if it's still delinquent. Even more concerning, they have changed the reported balance multiple times without explanation, which is confusing and misleading. The current balance they report is {$6500.00} at first it was around {$4000.00}. 
I submitted disputes to the credit bureaus and provided documentation of the XXXX donation, but the inaccurate reporting remains. These actions are damaging my credit score and preventing me from rebuilding financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In contacted XXXX to request a voluntary repossession, but they refused, stating they would not accept the vehicle back and would also not repossess it. 
The car had serious problems from the beginning, and the dealership I purchased it from shut down shortly after the sale, leaving me with no support. As I could no longer afford the vehicle or repairs, I donated it to XXXX on XXXX XXXX XXXX and it was later sold for {$1000.00}.

Despite no longer possessing the vehicle, XXXX continues to report the account as charged-off and updates it monthly as if it's still delinquent. Even more concerning, they have changed the reported balance multiple times without explanation, which is confusing and misleading. The current balance they report is {$6500.00} at first it was around {$4000.00}. 
I submitted disputes to the credit bureaus and provided documentation of the XXXX donation, but the inaccurate reporting remains. These actions are damaging my credit score and preventing me from rebuilding financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Statement for Disputing Unauthorized Inquiries Due to the Equifax XXXX XXXX ( Non-Identity Theft Claim ) : I am disputing multiple unauthorized credit inquiries that appear on my credit report. I did not initiate, authorize, or consent to these inquiries. These inquiries were not the result of any application or financial activity on my part. 

I believe these inquiries occurred due to the Equifax data breach, which exposed the personal information of over XXXX XXXX people, including mine. Because my personal data ( including name, SSN, address, and more ) was compromised through no fault of my own, these inquiries were made using information that was improperly accessed and are not valid under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit bureau is only allowed to include inquiries on a report that are made with the consumers explicit consent or for a permissible purpose. These inquiries do not meet that standard and therefore must be removed. 

I am exercising my rights under the FCRA to dispute these unauthorized inquiries and request that they be removed from my credit file immediately. I am not claiming identity theft, but asserting that the information was misused due to a third-party breach specifically, the Equifax breach that resulted in widespread unauthorized access to consumer data. 

Please conduct a full reinvestigation and delete these inquiries. I am happy to provide documentation if needed, including a copy of my credit report showing the inquiries in question. 
UNAUTHORIZED INQUIRIES LISTED BELOW : 1 ) XXXX XXXX  2 ) EXPERIAN BUSINESS CRED 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX  5 ) XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX XXXX 8 ) XXXX XXXX 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 non-monetary relief