vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear CFPB Representative, I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), regarding multiple inaccurate and unauthorized entries being reported on my consumer credit files. These items are either fraudulent, obsolete, or do not belong to me. I am requesting the Consumer Financial Protection Bureau to assist in ensuring these inaccuracies are investigated and permanently removed.

The following disputed items are being reported across one or more of the credit
bureaus : Creditor / Company Date Reported / Inquired Notes / Amount XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX / XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Obsolete Inquiry beyond reporting limits XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX  XXXX ( Alabama ) XX/XX/XXXX {$9500.00} inaccurate balance XXXX XXXX XXXXXX/XX/XXXX Collection account, not mine XXXX XX/XX/XXXX Inaccurate reporting As a consumer, I am entitled to fair and accurate credit reporting. These disputed entries are causing significant harm and misrepresentation of my creditworthiness.

I request the CFPB to : 1. Review and process this complaint.

2. Ensure the credit reporting agencies comply with their obligations under the FCRA.

3. Provide me with updates on the status of this investigation.

I appreciate your immediate attention to this matter and request a resolution in accordance with federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
My credit report with transunion was compromised and leaked. Transunion has a data breach. My information was compromised and leaked. All of my data was compromised, including social security number, date of birth, and address. I had a credit freeze on my accounts, and transunion did not secure my data. 
I received written communication from trans union stating and reporting, that my data was leaked and used by third party data companies.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
see attachments I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.

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 2025-09-30 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:
The fraudulent accounts currently listed on my credit report are false, unauthorized, and damaging to my creditworthiness. At no point did I authorize or establish these accounts, and their presence represents a fundamental violation of the obligation to ensure accurate 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 non-monetary relief
Consumer complaint received 2025-09-30 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to dispute the following information in my credit file. The account listed below is inaccurate because it is too old to report under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ). 
XXXX Now XX/XX/2017. 
According to the FCRA, negative accounts may not be reported more than XXXX ( XXXX ) years from the date of first delinquency. This account has exceeded that reporting period and should no longer appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
This is a formal complaint against Sunrise Credit Services , Inc. for reporting inaccurate and unverified information on my credit file in connection with an alleged AT & T Mobility account. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Sunrise XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$4400.00} Allegations 1. Sunrise Credit Services is reporting the above account as a collection item on my credit report.

2. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this alleged debt.

3. Sunrise has failed to provide adequate validation or proof that the debt is legitimate, including a breakdown of the charges and documentation from the original creditor.

4. Despite the lack of validation, Sunrise continues to report this account to credit bureaus, which constitutes a violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because my consumer credit reports, maintained by the nationwide credit reporting agencies ( Experian, XXXX, and TransUnion ) as well as other secondary credit reporting agencies, contain inaccurate and/or incomplete information. 

The disputed items include accounts and entries that do not belong to me, information that has been reported inaccurately, and records that appear outdated or unverifiable. These errors are damaging my creditworthiness, lowering my credit score, and creating barriers to obtaining fair access to credit, housing, and financial opportunities.

I have not yet submitted direct disputes to the credit reporting agencies themselves. Instead, I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that all relevant credit reporting agencies both the nationwide consumer reporting agencies and secondary data furnishers comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This includes : Conducting a reasonable reinvestigation of the disputed information. 
Deleting or correcting any inaccurate, incomplete, or unverifiable entries. 
Providing me with updated copies of corrected reports. 

I am prepared to provide supporting documentation ( such as proof of identification, account records, and evidence showing inaccuracies ) to assist in this investigation. I ask that the CFPB hold the reporting agencies accountable to the standards of accuracy, fairness, and completeness mandated by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
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 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 2025-09-30 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$7100.00} Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$7100.00} Account Name : XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$510.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
First time using CareCredit/Synchrony Bank card on XX/XX/XXXX. XXXX balance. Attempted to purchase prescription eyeglasses at Walmart. Transaction denied. Immediately made 2 calls to Synchrony Bank customer service. XXXX? said there was a block on the account for security reasons. She said it was removed and I could now use card. Card declined again. On 2nd call, XXXX told me it takes up to 72 hrs. for the block to clear and I could use the card at that time. ( Up to 72 hours? That seemed very odd to me ). I tried making 2 small, minimal purchases XX/XX/XXXX, XX/XX/XXXX to see if block removed. It was not. Transactions denied. On XX/XX/XXXX I immediately called Synchrony Customer Service and XXXX XXXXXXXX in Solutions Dept. Sent video of myself and photos of my driver 's license to him via a link they sent me in order to validate my identity. He guaranteed me on that call the block was now removed because his department was at " the highest level. '' I attempted to pick up XXXX  next day, XX/XX/XXXX. Transaction denied again. Called and XXXX XXXXXXXX who said he could not do anything to fix the account because there was no block on it. When I tried to obtain specific reason transaction would not go through, he had no clear answer. I asked him to wait while we tried to put transaction through again. He was extremely reluctant to stay online while we attempted to do so, stating he could only wait 5 minutes. Needless to say, the transaction was denied. Once again he had no answer and told me to use an alternate method to pay. I asked for a supervisor. Finally, XXXX from the Fraud Dept. told me there was some " fraud '' but refused to tell me what it was. He spoke using vague, double-talk and said nothing could be done. No resolution. I am very suspicious of what is going on. If fraud is suspected and involves me or my account then I have a right to know what it is. If Synchrony made a mistake and has incorrect information about me, then I need to know as well. I simply do not trust anything Synchrony Bank is providing me on this matter. I know something is very wrong.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Company : Barclays Bank Delaware ( JetBlue XXXX Card issuer ) Issue : Inaccurate reporting of XXXX late payment Barclays inaccurately XXXXeported my JetBlue XXXX credit card account ( ending in XXXX ) as 30 days late in XX/XX/XXXX with a {$4.00} past due balance. This is not accurate. 

On XX/XX/XXXX, I contacted Barclays after realizing I was a few days late. 

On XX/XX/XXXX, I paid {$190.00}, the full past due amount quoted by their representative. This was only 4 days after the due date, not XXXX. 

On XX/XX/XXXX, I paid the full minimum due of {$190.00} on time. 

Barclays own statement dated XX/XX/XXXX shows the {$190.00} past due, which I paid in full. 

Barclays secure messages confirmed these amounts and due dates in writing. 

Despite this, Barclays reported my account as 30 days delinquent, which contradicts both the facts and their own policy that accounts are not reported late unless more than 30 days past due. 

This inaccurate derogatory mark caused my credit score to drop by over XXXX points and led to a creditor reducing my available credit. 

Concerningly, shortly after I filed my dispute with Barclays, they raised my credit limit from {$4600.00} to {$7000.00}. While I appreciate the increase, it appears to be an attempt to offset the harm caused by their inaccurate reporting rather than correcting the reporting itself. A higher limit does not erase the derogatory event or comply with the Fair Credit Reporting Acts accuracy requirements.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Formal Dispute and Request forValidation To Whom It May Concern, I am writing to dispute the accuracy and validity of the above-referenced account that has been reported on my credit profile. This letter serves as a request for full validation of the debt under my rights provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

To properly verify this account, I am requesting that you provide the following documentation : 1. Original Agreement A signed copy of the initial contract or purchase agreement connected to this alleged debt.

2. Proof of Obligation Documentation showing that I consented to the terms of the alleged debt and that you have legal authority to collect.

3. Chain of Title Evidence showing the transfer or sale of this debt from the original creditor to your company, including purchase agreements or assignment records.

4. Detailed Accounting A full itemization of all charges, payments, interest, and fees claimed on this account.

Until such documentation is provided, I request that all collection efforts be suspended. Under XXXX XXXX. XXXX ( b ), you are required to cease collection activity until proper validation is completed. Furthermore, any unverified or inaccurate reporting to credit bureaus must be promptly corrected or deleted, in compliance with the FCRA. 

Failure to supply the requested information within XXXX days will be considered non-compliance. At that point, I may pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal counsel if necessary. 

This matter is urgent, as the reporting of this account is negatively impacting my credit and financial well-being. I expect your cooperation in resolving it immediately. 

Please note : This letter is not an acknowledgment or admission of liability for the debt in question. Any attempt to continue collection or report this account without the requested validation will be viewed as a violation of my rights under federal law. 

All future correspondence regarding this matter must be in writing and sent to the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am submitting this complaint as a formal follow-up to a dispute regarding several inaccurate and possibly duplicated collection accounts and a repossession entry that continue to appear on my credit report. These entries involve multiple accounts reported by XXXX XXXX and a repossession reported by XXXX. The collection accounts in question are tied to the original creditor XXXX  XXXX XXXX and appear multiple times with different balances, including zero-dollar balances, which may indicate they have been paid, settled, or are being erroneously reported more than once. The continued presence of these potentially duplicative and unverifiable accounts is misleading and harms my credit profile. Additionally, I am disputing the reporting of a repossession account by XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), with a balance of {$7300.00}. I have not received any documentation verifying this repossession, such as a notice of default, proof of sale, or balance breakdown. I previously requested a reinvestigation from the credit reporting agencies, but no sufficient verification has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax file number XXXX I sent Equifax my dispute with my ID and my proof of residence and they still did not investage

Company response to consumer: Closed with explanation