vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To the Dispute Department Credit Bureau Name : XXXX, XXXX, or XXXX  ] Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). I request that the following items be investigated and corrected or removed as appropriate : 1. Unauthorized Hard Inquiry XXXX XXXX : There is a hard inquiry from XXXX XXXX. However, the company has confirmed that the case was closed and that they did not initiate the inquiry. Please remove this item from my credit report. 
2. JCPenney Inquiry Dated XX/XX/XXXXXXXX  : This was a denied credit application over five years ago. As it is outdated and negatively impacting my score, I am requesting its removal. 
3. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : This account is showing a 30-day late payment. However, the loan was closed on XX/XX/XXXX, and all payments were on time according to my records. I request an investigation and removal of the inaccurate delinquency mark. 

I have attached copies of my ID and any supporting documents for your review. Please investigate and respond within 30 days as required by FCRA

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 2025-08-01 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: KS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a ticket to get a refund. The ticket number is XXXX I have been calling the bank on several attempts and I have been getting different answers each time I call in. No one can give me a clear answer if the refund has been mailed out. I was told to submit an additional ticket on XX/XX/XXXX, and when I submitted the original ticket I was told it would be 90 days and I would get a response or see the check in the mail. 90 days go by no check. Each person I have talked to states different things one states the check has been mailed I wait a week two week no check in the mail. Call back I am being told the ticket is still open. I can not get a clear concise answer on the refund that is owed back to me from this issues. The file numbers I have been able to research and find are XXXX XXXX. XXXX ; XXXX XXXX. XXXX ( b ) ( XXXX ) ; XXXX. I would like the bank to complete this action as this is and has been an inconvenience on my behalf to get some money that is owed to me due to them illegally charging me overdraft fees.

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 2025-08-01 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: TX

Complaint narrative:
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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I suspect these accounts were added to my credit report through fraudulent means. I request their immediate removal following a detailed investigation. Attached are relevant documents.

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 2025-08-01 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-08-01 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX  XXXX XX/XX/year>2025 XXXX XXXX  XX/XX/year>2025 XXXX XXXX  XX/XX/year>2025 XXXX XXXX XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX Account number : XXXX XXXX  XXXX XX/XX/year>2025 XXXX XXXX XX/XX/year>2025 XXXX XX/XX/year>2025 XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX2025 XXXX XXXX2025 XXXX XXXX/2025XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
XXXX, the Equifax breach exposed my personal detailsSSN, birth date, addressvia an unpatched XXXX XXXX vulnerability that attackers exploited through XXXX dispute portal. My data may have been sold or used to create fraudulent applications. '' Regarding unauthorized inquiries appearing : " Unknown hard inquiries listed under names like XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX XXXX appeared on my credit file between XX/XX/XXXX and XX/XX/XXXX, none of which I initiated. These suggest possible misuse of my breached data, whether by identity theft, misfiling, or a thirdparty inquiry under a different corporate name.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to dispute an eviction listed on my rental history, which I did not cause and had no involvement in. This lease is connected to a property I never lived at, applied to, or signed a lease for. After reviewing the details, I believe I am the victim of identity theft.

Someone appears to have used my personal information without my permission to rent a property and ultimately broke the lease. As a result, this fraudulent activity is now impacting my ability to rent a home and is misrepresenting my rental history.

I have never entered into a lease agreement with the property in question and was unaware of this account until it appeared in a tenant screening report. I have attached supporting documentation, including a police report and identity theft affidavit, to verify that I did not authorize or participate in this lease.

I am requesting that this eviction record be immediately removed from my file, and that all records be corrected to reflect that I was not involved in this rental agreement.

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 2025-08-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
RE : URGENT DISPUTE FRAUDULENT inquiries UNDER 15 U.S.C. 1681c-2 FILED FTC REPORT # : IDTheftReport_XXXX Dear Equifax, This letter is a formal dispute under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, also known as Section 605B, regarding multiple fraudulent items listed on my credit report due to identity theft. I am a victim of identity theft and did not open, authorize, or have any knowledge of the following inquiries now harming my credit profile : XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX/2024 XXXX XXXX XXXX2024 XXXX XXXX XXXX2024 XXXX XXXX XXXX2024 XXXX XXXX2024 XXXX XXXX XXXX2024 Pursuant to 15 U.S.C. 1681c-2, once you receive : 1. A valid identity theft report, and 2. Proof of my identity, You are legally required to block the fraudulent information from appearing in my file within 4 business days of receipt. Attached are the following documents : A copy of my government-issued ID A utility bill or proof of residence A copy of the FTC Identity Theft Report A signed affidavit confirming I did not open or authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
CFPB Complaint Letter I am filing this complaint to report several inaccurate, outdated, and unverified items being reported on my credit file by the credit reporting agencies. These errors are causing severe and irreparable harm to my creditworthiness, access to housing, and financial stability. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are enforced and these items are corrected or permanently deleted from my credit reports. 
XXXX XXXX XXXX, MI XXXX Issue : Wrong Address Law : FCRA 609 ( c ) ( 2 ) ( E ), 602 ( A ), 611 Explanation : I have never lived at or been associated with this address. Its appearance on my credit report indicates either mixed file reporting or identity confusion. This misinformation causes severe reputational and financial harm, including misdirected debt and failed verifications. 
XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX Issue : Wrong Address Law : FCRA 609 ( c ) ( 2 ) ( E ), 602 ( A ), 611 Explanation : I have never resided at this location. This address being listed is unjustified and misleading. I am being wrongly associated with accounts or inquiries that do not belong to me, which may result in credit denials or loan rejections. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$11000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 602 ( A ), 607 ( B ), FDCPA 809 ( b ) Explanation : This charge-off account was not notified to me, nor validated through proper communication. I have serious doubts about the authenticity and ownership of this account. If this debt is being reported without proper substantiation, it must be immediately deleted to comply with federal law. 
XXXX XX/XX/XXXX Issue : Duplicate Inquiry Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Explanation : This appears to be a duplicate or repeated inquiry for the same event. Not only is it unauthorized, but the duplication worsens the damage to my credit profile. It also raises serious concerns about data handling and privacy breaches.

These errors violate my consumer rights and have caused me emotional distress, loan denials, and financial difficulties. I respectfully request the CFPB investigate these matters and enforce immediate correction or deletion from all relevant credit reporting agencies. I am providing this complaint in good faith and with evidence to support my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX 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 non-monetary relief
Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My cell phone was stolen on XX/XX/scrub>/2025 and used to created XXXX XXXX transactions. I contacted Truist bank to file a dispute on each XXXX XXXX transaction that I did not authorize on XX/XX/scrub>/2025. On XX/XX/year>2025 I was issued a temporary credit while an investigation was completed of {$460.00}. On XX/XX/scrub>/2025 I was issued a temporary credit of {$26.00}, on XX/XX/year>2025 I was issued a temporary credit of {$4000.00}. XX/XX/year>2025 I received notice that my claim equalling {$7100.00} was denied and that I could request a copy of the documents used to make a decision however, I have never received the documentation after I requested them by phone serval times. I then received notification that the claim of {$4000.00} was denied and It would be debited from my account on XX/XX/scrub>/2025. I contacted Truist on XX/XX/scrub>/2025 asking for a second review and emailed the documents needed such as a police report and proof of my device being stolen so I was forced to purchase a new device. The claim was denied after review. When I asked for information or a call back from the fraud department I never received the call. I've been contacting the fraught department weekly and they have been giving me a run around.

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 2025-08-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-08-01 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} UNAUTHORIZED XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation