vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
What happened : I am a victim of ongoing identity theft and fraud. Numerous credit inquiries have appeared on my credit report that I did not authorize. These inquiries include, but are not limited to, the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for any of these accounts or give authorization for these inquiries. This fraudulent activity has caused ongoing harm and continues to appear on my credit report. 

Actions taken : I have placed fraud alerts and/or credit freezes on my accounts. 
I am submitting this complaint to request removal of all unauthorized inquiries and to notify the companies involved. 
I have documented all unauthorized inquiries for reference. 

I request the CFPB to send this complaint to the companies involved and ensure that all unauthorized credit inquiries are removed from my credit report immediately.

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 2025-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PennyMac loan services denied me twice for SCRA benefits.

Resident of Louisiana, a Key state that extends SCRA benefits into XXXX XXXX XXXX. 

Applied XXXX gave XXXX with Louisiana on residency. 

PennyMac requested Orders and Written notice XXXX. 

Supplied requested Documents XXXX. 

Denied XXXX by letter that came in XXXX. 

Called XXXX to resubmit it, notified them that I am a resident of Louisiana and asked for them to put a note when resubmitting.

Called today XXXX to ask about status after resubmitting, was denied again. 

Asked them again to resubmit and to put a note again that I am a resident of Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I am formally disputing a late payment that has been reported inaccurately. My payment records confirm timely submission, and the reported entry is therefore incorrect. This misrepresentation is causing harm to my credit profile and is misleading potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased XXXX cards from a vendor on XXXX  XXXX. His account profile was named XXXX XXXX. We spoke because I offered him an amount he said yes that was a good amount. The conversation moved to messages per his request where we discussed form of payment. We used XXXX but I used XXXX and I did not get to find out what his bank ever was. Prior to making a purchase of any sort, I asked for a form of identity and he chose to send a photo of his XXXX  XXXX XXXX which was valid when I looked it up in public records, where I saw his name was XXXX and his photo matched the photo in the profile. Moving forward, he told me to send the funds to his father because he was not registered in XXXX. I contacted this father whose name is XXXX XXXX, through a phone call and he told me that he was indeed the father of XXXX, and I saw he was registered in XXXX since XXXX of XXXX. Before any purchases were made, there was a mutual agreement where he would list all items for transactions, send tracking numbers, and provide refund should I request. I made XXXX transactions, XXXX on XXXX, XX/XX/XXXX for {$800.00}. The second payment was on XXXX, XX/XX/XXXX for {$250.00}, and the last transaction was also on the XXXX, but for {$950.00}. For the first XXXX transactions I received a tracking number but not for the last purchase, up to now they havent sent XXXX. None of the packages I received were as described. Instead of the packages having weight and being described as XXXX boxes and XXXX small box they were just envelopes. The first envelope was XXXX and had XXXX playing cards in it, thats all. The second envelope had nothing in it whatsoever. The third package never sent and I never received it. I have screenshots, messages, phone numbers, an address and a Florida XXXX XXXX saved in my phone if needed more. I lost {$2000.00} and I am led to believe these are the same people and he has stolen XXXX identity, or the family is fraudulent. XXXX claims XXXX will not reverse the transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This company is falsely reporting information on an alleged debt that is not mine to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been improperly placed on my credit report. I had no involvement in the creation or authorization of these accounts, nor did I provide any consent for them to exist under my name. Their presence represents an egregious inaccuracy, damaging my credit profile and misrepresenting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$2500.00} XXXX  # XXXX XX/XX/XXXX -- {$8600.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$2700.00}

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 2025-09-24 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: NJ

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am reporting XXXX 's Synchrony credit company doing XXXX intentionally and discriminated me as an elderly man. They kept sending me letters and charging me after I paid in full. 

XXXX. In XX/XX/XXXX, I paid XXXX credit card with cash, but they lied to me said I didn't pay and kept charging me, even in the statement says PAYMENT-THANK YOU of the amount {$1500.00}. 
XXXX. In XX/XX/XXXX, XXXX again checked their internal system and found I paid, and says PAYMENT-THANK YOU. 
XXXX. Later on, on this days XX/XX/XXXX, XXXX 's checked again the INternal system {$1500.00} has been paid, and thanked me again says PAYMENT-THANK YOU. 
XXXX. XXXX 's has repeatly stating I paid in full XXXX  times ( XXXX ) by stating PAYMENT -THANK YOU. 
XXXX, On XX/XX/XXXX, XXXX 's stated " XXXX '' in total XXXX payment due on my statement, which means I don't owe anything. 
XXXX, on XX/XX/XXXX, it's second time to show " XXXX '' XXXX, meaning I don't owe anything. 
XXXX, on XX/XX/XXXX, XXXX 's sent a statement, put the balance I paid in full back in, and added high interest and late fee etc, and requested a receipt to show I paid in full, after XXXX Year.

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 2025-09-24 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital 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 XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was the victim of a scam and tricked into authorizing a wire transfer of {$8900.00} from my Bank of America account ending in XXXX. 

Bank of America denied my fraud claim ( Claim Number : XXXX ), stating the transaction was completed on a known device and validated with a one-time passcode. While technically authorized, this was clearly the result of fraud ( Authorized Push Payment scam ). 

My concerns are : 1. The bank failed to flag or block this large, unusual transfer that was inconsistent with my normal account activity. 
2. No warning, hold, or additional verification was provided before releasing the funds. 
3. Bank of America did not provide adequate consumer protections or fraud prevention guardrails to prevent this loss. 

I request that the CFPB require Bank of America to : Reopen and review my fraud claim, Provide documentation of the banks decision process, Explain why no safeguards were in place for such a high-risk transaction, Consider reimbursement given the failure of fraud prevention controls.

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 2025-09-24 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: IL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal dispute concerning accounts on my credit report that are fraudulent in nature. These accounts do not belong to me, were never authorized, and have no legitimate connection to my financial activities. Their appearance is both misleading and harmful, unfairly impacting my creditworthiness.

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 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This account does not belong to me, I never had a IC system collection account

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 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This account was paid as agreed on [ Date ], and as part of the settlement and agreement with the creditor, it was expressly stated upon satisfaction of the agreed total, the company would request deletion or removal of the account from my credit report. 



Despite the fulfillment of my obligations under that agreement, this account continues to be reported, which constitutes inaccurate and incomplete reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681i and 1681s-2. Credit reporting agencies are required to ensure maximum possible accuracy of the information reported and to promptly correct or delete information that can not be verified

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