vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian debited my account for a membership that is cancelled and that I do not use. I called to have my money ( {$29.00} ) refunded, but they refused to refund my money. They can see that the services cancelled and that I dont use it. They dont send no type of reminder, or warning that they about to charge your account. They just charge it and then refuse to refund the money. Its a cancelled service so Experian basically just keeping your money for a cancelled membership that you do not use either.

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 2025-05-16 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: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-16 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: TX

Complaint narrative:
I am disputing the inaccurate repossession entry reported by Equifax for XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) dated XXXX/2018 with a balance of {$0.00}. This entry is not only outdated but potentially unverifiable, reflecting a significant failure to maintain accurate data as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ). Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifax 's ongoing failure to conduct proper investigations, exposing consumers to ongoing harm due to inaccurate and poorly verified data. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

The emotional and financial burden of repeatedly disputing this incorrect entry is immense. It is exhausting to see my financial stability undermined by errors that should have been corrected with proper oversight and verification. This ongoing inaccuracy has unfairly damaged my financial reputation, impacting my ability to secure fair credit, housing, and employment opportunities, and has caused me significant emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
Upon reviewing my credit report, I found myself in a maze of confusion after discovering accounts that are clearly not mine. This troubling situation is causing me great distress. I urgently request that these items be blocked and removed before they become further entangled in the fabric of my financial history. 
There are accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a settlement check for an accident i was in. Over the past year, my debt had gotten high, but all payments have been made on time, and all accounts are in " good standing ''. On XX/XX/XXXX, I paid nearly XXXX, to get my balance to a respectable level. On XX/XX/XXXX, I received a notice saying my limit had been decreased do to high usage across all of my accounts, from {$6000.00} to {$600.00}. Now, less than a month later, my usage has decreased to well less than 50 %, and my score is up XXXX points ... until they decreased my limit. I have since closed the account, because it's hurting my score, more than it's helping. I have other accounts with the same lender, and I am afraid limit decreases are coming on other accounts, as retaliation, or because of inaccurate, or slow reporting. I reached out to the company, and asked for a XXXX limit, but was denied. I feel that my limit was decreased BECAUSE I paid off a bulk of the balance, and now the company can not collect the maximum interest from me, anymore. I have the letter from them, as well as the recipt of payment, dated. The lender is Syncrony.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-05-16 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: NC

Complaint narrative:
Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern : I am writing to formally dispute certain inaccurate and potentially damaging information on my credit report, specifically concerning accounts and inquiries associated with your reporting agency. In light of the recent lawsuits implicating both Experian and Equifax in violations of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and permanent removal of these disputed items from my credit file, as they do not accurately reflect my credit history nor my financial responsibility. 
According to the FCRA ( 15 U.S.C. XXXXi ), consumers hold the right to dispute information they believe to be erroneous. I am exercising that right today. The accounts identified in my request not only contravene the provisions established in the FCRA, which mandates that consumer reporting agencies ensure maximum possible accuracy of the information they provide, but they also appear on my credit report despite a lack of substantiated evidence against me. Furthermore, the law requires that erroneous information be deleted promptly, which has not occurred in my case, indicating a breach of fiduciary duty on your part. 
Additionally, I draw your attention to Section XXXX ( a ) of the FCRA, which governs the reporting of negative informationthe accounts in question have exceeded the XXXXyear reporting limit without sufficient justification for their presence. As per the stipulations outlined, I demand that you take immediate action to verify the legitimacy of these accounts ; failure to provide accurate documentation corroborating these entries will leave no alternative but to remove them entirely from all credit reporting networks. 
Please be advised that I have previously attempted to rectify this matter by sending multiple certified credit dispute letters and a credit dispute form to the respective credit reporting companies on or around XX/XX/year> ; XX/XX/year> and XX/XX/year> with no resolution to these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern : I am writing to formally dispute certain inaccurate and potentially damaging information on my credit report, specifically concerning accounts and inquiries associated with your reporting agency. In light of the recent lawsuits implicating both Experian and Equifax in violations of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and permanent removal of these disputed items from my credit file, as they do not accurately reflect my credit history nor my financial responsibility. 
According to the FCRA ( 15 U.S.C. XXXXi ), consumers hold the right to dispute information they believe to be erroneous. I am exercising that right today. The accounts identified in my request not only contravene the provisions established in the FCRA, which mandates that consumer reporting agencies ensure maximum possible accuracy of the information they provide, but they also appear on my credit report despite a lack of substantiated evidence against me. Furthermore, the law requires that erroneous information be deleted promptly, which has not occurred in my case, indicating a breach of fiduciary duty on your part. 
Additionally, I draw your attention to Section XXXX ( a ) of the FCRA, which governs the reporting of negative informationthe accounts in question have exceeded the XXXXyear reporting limit without sufficient justification for their presence. As per the stipulations outlined, I demand that you take immediate action to verify the legitimacy of these accounts ; failure to provide accurate documentation corroborating these entries will leave no alternative but to remove them entirely from all credit reporting networks. 
Please be advised that I have previously attempted to rectify this matter by sending multiple certified credit dispute letters and a credit dispute form to the respective credit reporting companies on or around XX/XX/year> ; XX/XX/year> and XX/XX/year> with no resolution to these issues.

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 2025-05-16 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: AZ

Complaint narrative:
This follow-up complaint addresses the charge off account reported by XXXX XXXX XXXX Account Number : XXXX ) on my Equifax credit report with a balance of {$7800.00}. Despite my previous disputes, this account remains on my report without proper verification, which is a violation of the FCRA, specifically 15 U.S.C. 1681i. Equifax is required to conduct a timely and reasonable investigation of disputed information and must delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

The ongoing reporting of this charge off without appropriate validation has caused significant harm to my credit standing, affecting my ability to obtain fair credit and creating undue financial stress. This inaccurate reporting not only violates my consumer rights but also reflects a failure by Equifax to uphold its responsibilities under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I accepted a promotional offer through XXXX store to get a new phone where they would pay for it over the next 24 months as a credit. After receiving the phone and setting up phone service. They then denied my promotion leaving me with the credit card and the bill. This seems highly illegal to force me into a credit agreement and then not honor their end of the agreement. They are stating that because of a promotion with a different part of the company that is separate through different customer service teams that I am responsible for the phone purchase. However, when I attempted to resolve the issue with XXXX XXXX, they directed me to contact XXXX XXXX. XXXX store then said that I do not qualify for the promotion because of my XXXX XXXX  promotion.

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 monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-16 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-16 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief