vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-26 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:
Review the provided materials ; these inquiries came in suddenly and may not be approved.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: IN

Complaint narrative:
I disputed this debt in writing more than 30 days ago and requested validation. The company has failed to provide any proof that this debt is owed or that they have the legal right to collect it. 

Despite failing to validate, Bounce AI continues to report this account to XXXX  and XXXX  which is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting immediate deletion of this account from my credit report and cessation of all collection activity. 


I also request written confirmation of deletion and assurance that this account will not be sold, transferred, or reinserted in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Walgreens Credit Card, issued by Synchrony Bank, engaged in prohibited retaliatory conduct under the Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ) by materially reducing my credit limit from {$2000.00} to {$350.00} despite the account being current, paid timely, and in good standing. The adverse credit action occurred contemporaneously with my assertion of rights and protections afforded to servicemembers and was undertaken without individualized risk assessment, notice, or legitimate business justification. The timing and severity of the reduction constitute circumstantial evidence of retaliation for protected activity, conduct the SCRA expressly seeks to prevent by prohibiting creditors from penalizing servicemembers for exercising statutory rights. This retaliatory reduction foreseeably and directly caused harm by artificially inflating my credit utilization ratio, impairing my creditworthiness, limiting access to credit, and imposing additional financial hardship. I request enforcement review and corrective relief, including immediate restoration of my prior credit limit to no less than {$2000.00}, written identification of the specific underwriting criteria relied upon, confirmation of full SCRA compliance and non-retaliation, and remediation of any adverse credit reporting attributable to this unlawful action.

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 2025-12-26 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: TN

Complaint narrative:
Failure to Reinvestigate ( 1681i ) : The bureau has ignored its statutory duty to conduct a reasonable reinvestigation within 30 days. Instead, it has recycled the same unverifiable tradelines without competent proof. I have reason to believe reasonable procedures were not followed to ensure accuracy. My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). even I disputed this multiple times.

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 2025-12-26 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: TN

Complaint narrative:
Failure to Reinvestigate ( 1681i ) : The bureau has ignored its statutory duty to conduct a reasonable reinvestigation within 30 days. Instead, it has recycled the same unverifiable tradelines without competent proof. I have reason to believe reasonable procedures were not followed to ensure accuracy. My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). even I disputed this multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and federal consumer protection laws. Equifax is illegally reporting a fraudulent XXXX XXXX  account that is the result of identity theft, despite receiving valid evidence and multiple disputes. 

Account in Dispute : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported High Credit : {$11000.00} Status : Collection / Charge-Off I previously submitted disputes to Equifax on XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax is already in possession of my valid FTC Identity Theft Report # XXXX, which legally requires Equifax to block this account within 4 business days under FCRA 605B . Equifax has refused to comply and continues to report this fraudulent tradeline, causing serious financial harm and credit damage.

Equifax Reporting Violations ( Based on Their Own Report ) Equifax reports Charge-Off / Collection, but the last two-year payment history shows OK which is impossible. 

Last Activity : XX/XX/XXXX Last Reported : XX/XX/XXXX This indicates unlawful re-aging of a debt to extend derogatory reporting.

Balance {$0.00}, Past Due {$0.00}, but still reporting derogatory.

Misleading credit metrics ( High Credit vs Credit Limit ).

Single-bureau reporting only Equifax reports this account.

Failure to verify, validate, or provide lawful documentation.

These actions violate : FCRA 605B failure to block identity theft account FCRA 607 ( b ) failure to ensure maximum accuracy FCRA 611 failure to reinvestigate FCRA 623 furnishing inaccurate information FCRA 604 permissible purpose concerns TILA misleading account classification and representation Equifaxs conduct constitutes willful non-compliance under 15 U.S.C. 1681n.

Requested Relief I respectfully request the CFPB to compel Equifax to : Immediately block and permanently delete XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX pursuant to FCRA 605B Provide written confirmation of deletion Prevent reinsertion unless full lawful FCRA reinsertion procedures are followed Correct any resulting harm to my credit report Harm Suffered Due to Equifaxs illegal reporting, I have suffered : Credit score damage Denial of financial opportunities Emotional XXXX  Financial and reputational harm I request immediate intervention and enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX/XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I am not connected in any way to these accounts ; removal within 15 days is required by USC 1681g.

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 2025-12-26 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: MD

Complaint narrative:
As per 15usc 1611 Experian XXXX  and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-12-26 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:
Can you double-check this entry? It looks late and potentially wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding Indigo Mastercard for charging fees and reporting an account that I never activated, used, or consented to. 

I received an Indigo Mastercard in the mail that I did not activate or accept. Despite this, Indigo charged an annual fee and additional fees to the account and reported the account to the credit bureaus, negatively impacting my credit score. 

Because the card was never activated or used, these charges are unauthorized. I have formally disputed the account with Indigo and requested that all fees be removed, the account closed with a XXXX balance, and all negative credit reporting corrected or deleted. 

This issue has caused unnecessary financial harm and damage to my credit due to improper billing and inaccurate credit reporting. 

I am requesting the following resolution : Immediate removal of all fees and charges Closure of the account with a XXXX balance Correction or deletion of all related credit reporting with XXXX, XXXX, and XXXX  Written confirmation of resolution Company Name : Indigo Mastercard Issue Type : Billing dispute / Incorrect credit reporting Product Type : Credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am disputing the collection account with BANK OF AMERICA XXXXXXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BANK OF AMERICA provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-12-26 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: GA

Complaint narrative:
This account was fully paid, but my file continues to show delinquency history please remove those inaccurate late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I registered my business on XXXX  in XX/XX/year> and asked to cancel it less than XXXX later since my grandfather had gotten really sick and I could not maintain my business and be his caregiver. The representative that I spoke with was foreign and kept insisting to pause the membership rather than cancel. I asked to cancel it just to find out later that it was actually paused. They took over {$600.00} out of my account in XX/XX/year>. I attempted to get a refund from them several times and they refused all though they show Ive never logged into the account or used their services. I asked to cancel months prior and that was not completed by the representative over the phone. BANK of America also refuses my claim several time with no proof in services rendered.

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 2025-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-26 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: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
XXXX made four u authorized charges on XXXXAll four apps was canceled on XXXX before the trial dates ended. {$12.00} was refunded on XXXXthree charges remained.i was over charged for one app out of the three XXXX per week I was charged XXXXi disputed all charges with current but they said there investigation no error was found so the charges remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I requested a limit increase on multiple accounts at different times from XXXX  XXXX. In XXXX, XXXX and XXXX and they rejected my request based on an outdated credit score information. They tried to do it manually but couldnt and they told me the score system they use there is no way to verify it accuracy. Their XXXX  app also has a different score over XXXX point difference higher than the one they provided with my denial 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