vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I was contacted by a company stating they would seize my property or garnish my wages for a delinquent debt. No information was provided about the actual debt. The company contacted 3 family members, in which I have written proof On XX/XX/year> the company emailed me a letter regarding the debt. On XX/XX/year> I responded via email AND as mailed a certified letter asking for validation of the debt, cease and desist, etc. No response received. Letter was returned due to insufficient address. 

On XX/XX/year> I called the company to ask for their correct mailing address. The person who answered placed me on hold, returned and said the advisor was assisting someone else and that I would be served within 30-60 days. When I asked for mailing address a third time, he hung up the phone. I then reached out to Synchrony Bank ( said original debt collector ) who checked my social security number and by name, and account numbers on letters, who confirmed they show no debts owed.

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 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have enclosed the necessary supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This late payment is not consistent with my established payment history. I respectfully ask that it be taken off my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I successfully disputed a collection account with XXXX XXXX XXXX that was the result of identity theft. The account was removed from all three credit bureaus at that time. I have not had any further communication or new account activity with this company since then. 

However, in XX/XX/XXXX, a new collection account from XXXX XXXX was added to my credit report without any prior notice or proper debt validation. This account appears to be a duplicate or recycled debt from the previous identity theft case. I have not received any written notification, call, or attempt to validate this debt before it was reported. 

I immediately attempted to resolve this by requesting verification, and I am also filing a police report as this is a clear recurrence of fraudulent reporting. This ongoing behavior is damaging my credit and causing emotional and financial stress. 

I am requesting immediate removal of this collection account and a formal investigation into XXXX XXXX practices, as they appear to be reporting without proper cause or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am the owner of a small business account with JPMorgan Chase Bank, opened approximately XXXX months ago. I deposit payroll checks from my employer, which is a legitimate and established company. 

Recently, Chase placed a restriction on my account, completely blocking my access to all funds not just the most recent deposits. The checks in question have already cleared the issuing bank and the funds are in my account. Despite this, I have been told that Chase 's verification team " can not verify '' certain details and will continue to hold my account. 

I have fully cooperated with every request : - Called Chase support XXXX or XXXX times, spending over XXXX minutes each time. 
- Provided phone numbers and contact information for my employer for verification. 
- My wife visited the branch in person to obtain the branch manager 's assistance. 
- The branch confirmed they can not override the restriction. 

Chase has provided no written explanation with a specific release date for my funds, only verbal statements that they " can not verify. '' As a result, I am unable to pay my financial obligations, including my Chase credit card bill. If interest charges result from this, Chase should be held responsible. 

I request immediate release of my account and full access to my funds, or at minimum, a written notice under Regulation CC specifying the reason and the release date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent credit inquiry from my credit report Accounts 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 explanation
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
This is an escalated complaint concerning three pending CFPB cases in which the CRAs have failed to comply with the Fair Credit Reporting Acts identity theft blocking provisions under 15 U.S.C. 1681c-2. 

CFPB Case Numbers & Dates Filed : XXXX TransUnion LLC Filed XX/XX/XXXX XXXX Equifax Credit Bureau Filed XX/XX/XXXX XXXX Experian Information Solutions Inc . Filed XX/XX/XXXX Statutory Requirement Under 15 U.S.C. 1681c-2, a CRA must block information a consumer identifies as the result of identity theft within four ( 4 ) business days after receiving : Proof of identity ; A valid identity theft report ; and Identification of the disputed information. 

I provided : Full Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Govt ID # : XXXX FTC Identity Theft Report # : XXXX The FCRA does not require my full SSN to exercise these rights. 

Disputed Information with No Permissible Purpose ( 1681b Violation ) TRANSUNION Collections : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | {$240.00} ; XXXX XXXX XXXX XX/XX/XXXX | {$980.00} Hard Inquiries : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX EQUIFAX Collections : XXXX XXXX. XX/XX/XXXX | {$630.00} ; XXXX XXXX. XX/XX/XXXX | {$630.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX | {$980.00} Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Collections : XXXX. XXXX, XXXX XX/XX/XXXX | {$200.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX | {$980.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX These entries are not related to any transaction I authorized and were reported without a permissible purpose under 1681b.

Timeline of CRA Responses Equifax initiated investigation : XX/XX/XXXX ( CFPB Case XXXX ) TransUnion initiated investigation : XX/XX/XXXX ( CFPB XXXX XXXX ) Experian initiated investigation : XX/XX/XXXX ( CFPB XXXX XXXX ) The four-business-day statutory deadline to block the disputed information has passed for all three CRAs without full compliance. 

Violations 15 U.S.C. 1681c-2 Failure to block identity theft information within four days.

15 U.S.C. 1681b Reporting information without permissible purpose.

15 U.S.C. 1681n Willful noncompliance with the FCRA.

15 U.S.C. 1681o Negligent noncompliance with the FCRA.

18 U.S.C. 1028A Potential aggravated identity theft.

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

Complaint narrative:
This is an escalated complaint concerning three pending CFPB cases in which the CRAs have failed to comply with the Fair Credit Reporting Acts identity theft blocking provisions under 15 U.S.C. 1681c-2. 

CFPB Case Numbers & Dates Filed : XXXX TransUnion LLC Filed XX/XX/XXXX XXXX Equifax Credit Bureau Filed XX/XX/XXXX XXXX Experian Information Solutions Inc . Filed XX/XX/XXXX Statutory Requirement Under 15 U.S.C. 1681c-2, a CRA must block information a consumer identifies as the result of identity theft within four ( 4 ) business days after receiving : Proof of identity ; A valid identity theft report ; and Identification of the disputed information. 

I provided : Full Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Govt ID # : XXXX FTC Identity Theft Report # : XXXX The FCRA does not require my full SSN to exercise these rights. 

Disputed Information with No Permissible Purpose ( 1681b Violation ) TRANSUNION Collections : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | {$240.00} ; XXXX XXXX XXXX XX/XX/XXXX | {$980.00} Hard Inquiries : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX EQUIFAX Collections : XXXX XXXX. XX/XX/XXXX | {$630.00} ; XXXX XXXX. XX/XX/XXXX | {$630.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX | {$980.00} Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Collections : XXXX. XXXX, XXXX XX/XX/XXXX | {$200.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX | {$980.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX These entries are not related to any transaction I authorized and were reported without a permissible purpose under 1681b.

Timeline of CRA Responses Equifax initiated investigation : XX/XX/XXXX ( CFPB Case XXXX ) TransUnion initiated investigation : XX/XX/XXXX ( CFPB XXXX XXXX ) Experian initiated investigation : XX/XX/XXXX ( CFPB XXXX XXXX ) The four-business-day statutory deadline to block the disputed information has passed for all three CRAs without full compliance. 

Violations 15 U.S.C. 1681c-2 Failure to block identity theft information within four days.

15 U.S.C. 1681b Reporting information without permissible purpose.

15 U.S.C. 1681n Willful noncompliance with the FCRA.

15 U.S.C. 1681o Negligent noncompliance with the FCRA.

18 U.S.C. 1028A Potential aggravated identity theft.

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 2025-08-08 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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-08-08 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent fraudulent inquiries off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus have failed to correct inaccurate information on my credit report despite my previous disputes, violating my rights under the Fair Credit Reporting Act ( FCRA ). ''

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 2025-08-08 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: IL

Complaint narrative:
I asked for the original signed agreement with XXXX XXXX Complete account payment history internal payment processing records Date-stamped billing statements sent to my verified address Evidence of the method of verification used A detailed explanation of the exact documents reviewed to verify the payment history The name of the individual or system that verified the information Proof of how the information was determined to be accurate

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unfair and unlawful.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-07 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: DC

Complaint narrative:
I am reporting inaccurate student loan entries listed by Equifax that were discharged over 30 years ago in XXXX XXXX XXXX. They were removed after my dispute in XX/XX/XXXX, but reappeared in XX/XX/XXXX and XX/XX/XXXX under different reporting companies, balances, and account numbers. Equifax refuses to remove it and claims its accurate, ignoring discharge records. This error caused my credit score to drop from XXXX to XXXX. Ive made every effort to keep my accounts in good standing. Equifax failed to conduct a proper reinvestigation under 15 U.S.C. 1681i and violated the FCRA. I request CFPB action and score restoration. Supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
In XXXX, I filed for XXXX XXXX XXXX in the XXXX XXXX XXXX Texas ( Case No. XXXX ), and the case was officially XXXX on XX/XX/XXXX. The debt in question originally tied to SoFi Lending Corp was fully included in my bankruptcy filings, and both SoFi and their prior legal representatives were properly noticed and listed in the XXXX XXXX. 

Despite this, the debt was subsequently transferred to XXXX XXXX, XXXX, who continued to pursue it in XXXX XXXX XXXX XXXX under Case No. XXXX. This matter remains publicly listed as Reopened Active, and my legal name and identity are still associated with the judgment as if it were valid and enforceable. 

Under 11 U.S.C. 524 ( a ) ( 2 ), a bankruptcy discharge operates as a permanent injunction prohibiting any further efforts to collect, recover, or enforce a discharged debt. The ongoing maintenance of this judgment and the refusal to file a Satisfaction of Judgment or Voluntary Dismissal is a clear violation of federal law. 

I made repeated good-faith efforts to resolve this privately. On XX/XX/XXXX, I formally notified all involved parties and provided copies of my Bankruptcy Discharge Order and Creditor Matrix, requesting that the court record be updated within XXXX calendar days. This included the following attorney : XXXX XXXX XXXX, XXXX XXXX Despite clear notice and legal obligation, no action was taken by any party within the requested timeframe. The matter remains unresolved and is now interfering with my professional background and employment prospects.

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

Complaint narrative:
This complaint is regarding an incorrect late payment reported on my credit profile. I reviewed my payment history and confirmed that this is a reporting error.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX the XXXXen bank closed my account because of a debit that I owed, I was negotiating with an insurance company that made an undue charge. But I ended up missing the deadline and they closed, and a few days later they blocked my account preventing me from having my money, I called several times, I went to the bank where I had opened the account and they informed me that I would receive a letter to be able to withdraw my money, and I have not received anything until today, the debit in question was paid by me and I have proof. But the bank every time I try to solve it doesn't finalize the case. I'm exhausted from this, because my money is withheld without the slightest justification, since the debt has been paid.

Company response to consumer: Closed with explanation