vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I do not recognize. After carefully reviewing my credit report, I discovered these unfamiliar accounts and suspect they may be the result of my personal information being exposed in a recent data breach.

I have requested validation of these debts from the credit reporting agencies, but to date, I have not received the necessary information. In response to this issue, I have filed a complaint with the Federal Trade Commission ( FTC ) and reported the incident as identity theft.

Attached are the following documents to support my dispute : A copy of my government-issued ID The FTC Identity Theft Report proof confirming my information was involved in a national data breach A debt validation letter I previously submitted Please investigate this matter promptly and remove any fraudulent or unverifiable accounts 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 2025-04-25 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Four months ago, I went to trade my car in for a new car, and I was advised I may have been a victim of identity theft. They indicated I had open accounts in XXXX, but I live in XXXX. iA police report was filed with the XXXX Police Department as this is where I lived at the time. I now reside in the city of XXXX. This account is not mine and I don't not know what else to do. I have a police report i have also filed a freeze with the credit bureaus and filed an alert with social security office. 

This could jeopardize me from obtaining a higher paying position within my company because of the fraudulent account. I have contacted Synchrony Bank and advised them of this fraudulent account with no resolution. 

I have filed a police report with the XXXX XXXX XXXX XXXX and also filed a complaint with the Attorney General 's office. 

Please help thank you.

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 2025-04-25 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B 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 explanation
Consumer complaint received 2025-04-25 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: OK

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX  XXXX XXXX BALANCED {$1400.00} XXXX XXXX BALANCED {$860.00} XXXX  XXXX BALANCED {$1200.00} XXXX XXXXXXXX BALANCED {$1700.00} XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX 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  XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

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 2025-04-25 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Request for Method of Verification Under FCRA 611 ( 15 U.S.C. 1681i ) To Whom It May Concern : I am writing to formally demand compliance under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) regarding the inaccurate item listed below. Your response to my prior dispute claimed the information was verified ; however, the FCRA mandates more than a conclusory statement. It requires a reasonable reinvestigation and full disclosure of the method used to verify the disputed data. According to FCRA 611 ( a ) ( 1 ) ( A ), you are obligated to conduct a reinvestigation of disp
uted information unless the dispute is deemed frivolous or irrelevantneither of which applies here. Furthermore, under FCRA 611 ( a ) ( 6 ) ( B ), you must disclose the method of verification, including the name of the source and all documentation used to support the verification. 



Disputed Item OPORTUN/PROGRESO XXXX XXXX Requested Action XXXX. Reinvestigation : Please conduct a thorough reinvestigation of the item listed above. Your previous verification lacked the evidentiary support required under federal law.

2. Method of Verification : Disclose the exact method used to verify this information, including : The name and contact details of the source ; All documents reviewed in support of verification ; Procedures used to comply with FCRA 607 ( b ), which mandates the highest standard of accuracy.

3. Correction or Deletion : If you are unable to confirm the accuracy of the information with sufficient documentation, you are required under FCRA 611 ( a ) ( 5 ) ( A ) to delete or correct the item immediately.

Response Deadline Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you have 30 days to respond to this request. Failure to do so will be considered a violation of federal law. 

If no timely and satisfactory response is received, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. I will also explore civil remedies under FCRA 616 and 617 for negligent or willful noncompliance.

I appreciate your prompt attention to this matter and expect a complete response within the statutory timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2025-04-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is report false information on my report. All XXXX XXXX XXXX accounts were removed from my XXXX report and my XXXX  report and they refuse to update their records and remove the items. I do not owe XXXX XXXX XXXX  XXXX or XXXX. Those accounts have already been removed from the other XXXX bureaus. They are also reporting a false balance in the amount of XXXX to XXXX XXXX  and that debt has already been settled! Please find proof of payment attached to this complaint! This is ruining my life. My information was also leaked in a data breach! I have XXXX loans reporting to my Experian report that I do not owe! Or have any knowledge of. They are named opurtun and onemain! I do not owe that and those companies have already agreed to remove the remarks from my report. They have already been removed from transunion and Equifax. Experian refuses to update their records information! They are the ones that notified me on their platform that my information was breached and still continued to Report the negative items after I disputed it with them!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
During COVID 19 student loan payments were frozen, and I had these loans with a provider that was set for automatic payment. The debt was acquired by AidVantage without my knowledge, consent or any notification. The company has recently placed 2 mark on my credit report for delinquent payments. I was never given any notification that the payments would resume or when, nor that my automatic payments had stopped. I was also never notified that the debt was acquired or being managed by a new service provider. I paid the past due amount in full. I explained to the company that I never received mail notification of this, was unaware that payments were resuming and that they were not automatic anymore, nor was I notified of change in provider to even know who to contact. Aidvantage states that they did not send me mail, they admit this, and state they have sent me emails. When I ask what email address they used, it's an email address that I had as a teenager over a decade a go and no longer exists or is in use, and told them that the correct way to communicate offical information is via mail. They admit not having sent me mail and are unwilling to remove the 2 adverse actions from my XXXX XXXX ( 2 loans, both owned by them, resulted in 2 " late payment '' marks ), even after me explaining the situation and paying them. Millions of americans have been affected by this recently, by this same company, and there are innumerous complaints of this. What this agency has done is illegal, unethical, dishonest, fraudulent and they should be held accountable for destroying the lives of so many americans. I was about to start a business and apply for a business loan, now I can't. My hopes and dreams have been destroyed by this company, and all I needed was a single letter notifying me. Prior to this I had a perfect XXXX XXXX for over 15 years, never a single adverse action or negative mark on my credit. This is abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I am disputing the accuracy and completeness of the aforementioned account. I hereby formally request that the dispute remarks associated with this account be expunged from its reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal complaint against Bank of America related to a negative item on my credit report tied to a closed credit card account ending in XXXX. The issue involves a missed payment of approximately {$20.00}, which I was never notified about. 

I recently moved to the United States from XXXX, where credit card balances are automatically debited from the checking account. When I opened my account at Bank of America, I was not informed that the U.S. system works differently and that I had to make manual payments. I misunderstood the process, thinking it would function the same way. 

I attempted multiple times to resolve the issue with Bank of America : I went to a physical branch, where they referred me to a customer service line. 

The phone line had no human representative available and no clear option for resolving this type of issue. 

I found no secure messaging system to escalate the case. 

This is not a real debt but a misunderstanding a {$20.00} oversight that is still damaging my credit report. I eventually cleared the balance, but the negative mark remains and is now affecting my financial life : Ive had issues placing a down payment on a rental. 

Ive been blocked from financing a vehicle or considering a home purchase. 

Ive since opened a new account with Bank of America ( ending in XXXX ) and want to maintain a positive relationship. I respectfully ask that the CFPB assist in removing this credit report mark as a goodwill adjustment, in light of the misunderstanding, lack of notice, lack of access to customer service, and real-world consequences Im now facing.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief