vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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:
I did not open, authorize, or approve the accounts listed in this report. These accounts were opened without my knowledge or permission, and I are fraudulent. I am requesting that they be investigated and removed from my credit reports. 
XXXX XXXX XXXX {$1500.00} XXXX {$470.00} XXXX XXXX {$990.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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 did not open, authorize, or approve the accounts listed in this report. These accounts were opened without my knowledge or permission, and I are fraudulent. I am requesting that they be investigated and removed from my credit reports. 
XXXX XXXX XXXX {$1500.00} XXXX {$470.00} XXXX XXXX {$990.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1200.00}

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 2025-05-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When going to dealerships, they ran my credit and applied for multiple loans on my behalf. Causing Multiple hard inquiries lowering my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the mishandling of my XXXXLowes XXXX XXXX XXXX account by Synchrony Bank, specifically related to a previously disputed refrigerator purchase, continued unjust credit limit reductions, and now a significant and harmful impact on both my account balance and credit report. 

Previous Refrigerator Dispute ( Resolved, but with Lasting Impact ) : Some time ago, I filed a dispute regarding a refrigerator purchase from Lowes that was never properly addressed by the store. After extensive back-and-forth and failure on Lowes part to resolve the issue, I escalated the complaint. Eventually, the cost of the refrigerator was credited to my account. However, that resolution came after months of stress and inconvenience, and it appears that the way the credit was applied is still having a cascading impact on my account today. 

Unjust Credit Limit Reductions Without Notice : Since the resolution of that issue, I have witnessed progressive reductions to my credit limit without any written notification or explanation from Synchrony Bank. As of today, this reduction has reached a point where my account reflects a negative over-limit status of {$250.00}, even though I have not overspent. My current balance is {$610.00}, a portion of which {$300.00} is due to interest charges from a promotional balance. 

These interest charges and over-limit status are directly tied to XXXXynchronys failure to properly notify me of credit limit reductions, and in doing so, Synchrony has placed me in a false over-limit status. I consider this both deceptive and punitive, especially in light of my previous dispute not being resolved in good faith. 

Promotion-Related Interest Charges : The {$300.00} in promotional interest charges are unjust and should be removed. This is due to the fact that a portion of the original balance was credited back to me as a result of Lowes resolution of the unresponsive complaint. Applying interest to a balance that I was not ultimately responsible for is unreasonable and not reflective of the actual amount financed by me.

Credit Reporting Harm : Now, due to these internal decisions and Synchronys failure to notify me of limit changes, my account reflects a negative status on my credit report, which is harming my creditworthiness. I was never provided, notifications about these reductions, and I have no record of them being sent or explained.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). My Experian credit report dated XXXX XXXX XXXX, includes three negative accounts that are either unverifiable, inaccurately reported, or incomplete. These include : XXXX XXXX XXXX ( Account # : XXXX ) Reports multiple late payments without supporting documentation or accuracy. 
XXXX XXXX ( Account # : XXXX ) Reports a charge-off with an {$82.00} balance without providing a contract or payment history. 
XXXX XXXX ( Account # : XXXX ) Reports 30, 60, and 90-day lates but has inconsistencies. 

These items are damaging my credit, and under FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and 1681s-2 ( b ), Experian is required to ensure that only accurate, complete, and verifiable information is reported. I submitted a formal dispute demanding deletion if these items could not be verified. If Experian can not produce proper documentation, the law mandates deletion. 

I request the CFPB to investigate this matter and compel Experian to comply with the law, delete the unverifiable items, and ensure proper credit reporting practices.

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 2025-05-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : $ - Account # : XXXX XXXX - Balance : $ - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 explanation
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX collection account of {$490.00} is not my account and should be deleted, date opened XXXX XXXX account XXXX. I have no knowledge of this account and it has not been verified. 


XXXX XXXX XXXX account XXXX XXXX {$220.00} Date opened XXXX XXXX I have no knowledge of this account and it has not been verified. This account should be deleted. 

XXXX XXXX XXXX XXXX $ {$8600.00} Date opened : XXXX XXXX I am not the account holder. This account should be deleted. 

XXXX XXXX  XXXX XXXX : {$35.00} Date opened : XXXX XXXX I am not the account holder. This account should be deleted. 


I reached out to the company on several occasions and neither of these account have been properly investigated. No verification of any of my signatures or consent has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 explanation
Consumer complaint received 2025-05-31 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 an auto loan account opened at XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2025-05-31 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: CA

Complaint narrative:
This account was always paid on time. The air with connecting the payment to the wrong checking belong to the associate at XXXX XXXX. That recording of the associate stating it was an error on there in which caused my account to show late when in fact, it wasnt was fully owned by the XXXX XXXX associate for the year of 2024. There should be zero late payments since then the account has been paid in full.

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 2025-05-31 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: CA

Complaint narrative:
This account was always paid on time. The air with connecting the payment to the wrong checking belong to the associate at XXXX XXXX. That recording of the associate stating it was an error on there in which caused my account to show late when in fact, it wasnt was fully owned by the XXXX XXXX associate for the year of 2024. There should be zero late payments since then the account has been paid in full.

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 2025-05-31 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: NV

Complaint narrative:
Let me be clear : this complaint is legitimate and warrants immediate attention. My credit report includes inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are causing ongoing and significant harm to my personal and financial well-being. I demand a thorough investigation and the prompt correction or removal of all inaccuracies. Resolving this issue is not just necessaryit is urgent and critical to protecting my rights and restoring the integrity of my credit profile.

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 2025-05-31 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: PA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I received notice from Checkr that my XXXX background check included a WITHDRAWAL, NON-ACD VIOLATION from a XXXX  drivers license that is no longer active. I submitted a certified abstract from the Texas Department of Public Safety dated XXXX XXXX XXXX, confirming the XXXX XXXX ( DL XXXX ) is expired and that I have no current administrative actions or violations. I also provided proof that I now hold a valid XXXX XXXX ( XXXX ), which Checkr has verified as active.

Despite my submissions and multiple follow-ups, Checkrs report has not been updated and still lists the outdated violation. This has impacted my ability to earn income on XXXX. I am requesting the Consumer Financial Protection Bureau to assist in resolving this matter and ensuring the outdated Texas record is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Westlake Services, LLC
State: GA

Complaint narrative:
The inquiry was not authorized Date of inquiry : XX/XX/year> Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Should the creditor fail to provide verification, I kindly ask that you delete any unverifiable information. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

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 2025-05-31 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: WA

Complaint narrative:
I am disputing the charge-off account from XXXX XXXX XXXX account XXXX, due to inaccurate and incomplete reporting. The account shows a balance, but I never received a 1099-C, which is required if the debt was canceled. Reporting a charge-off with a balance under these circumstances is potentially misleading and violates FCRA Section 607 ( 15 U.S. Code 1681e ), which requires credit bureaus to ensure maximum possible accuracy. I request this account be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: WA

Complaint narrative:
I am disputing the charge-off account from XXXX XXXX XXXX account XXXX, due to inaccurate and incomplete reporting. The account shows a balance, but I never received a 1099-C, which is required if the debt was canceled. Reporting a charge-off with a balance under these circumstances is potentially misleading and violates FCRA Section 607 ( 15 U.S. Code 1681e ), which requires credit bureaus to ensure maximum possible accuracy. I request this account be deleted.

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