vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I am XXXX  XXXX and do not work. I have told these XXXX to STOP calling and harassing my husband and I. They keep talking rudely and threatening us. They call at all hours and change their numbers and block the number. They mentioned they sent us a letter and have not received a thing.

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 2025-04-28 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NJ

Complaint narrative:
XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XX/XX/year> 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have worked hard to correct and improve my credit by paying down debts and maintaining positive account activity. While XXXX  and XXXX  have appropriately updated my profile and reflected these improvements, Experian has failed to do so. 

Despite providing accurate information and previously disputing errors directly, Experian reports outdated balances and mismanages critical tradeline data. Their slow and inconsistent updates are artificially suppressing my score compared to the other two bureaus, harming my ability to access fair credit opportunities. 

I request that the CFPB ensure Experian corrects these inaccuracies immediately, updates my tradelines to match verified account activity, and fully complies with FCRA 611 and 607 ( b ). 

Consumers should not be penalized for doing the right thing. Experians negligent handling of my file has caused unnecessary financial harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
. It is my understanding the reason to believe that this debt was a charge off by you. Which was immortalized with a form of XXXX as proof of evidence was issued. If that is the fact, this debt is canceled and at least should not be reflecting any late payment date on my consumer file. 
This would indicate inaccuracy in reporting on your behalf and therefore it is a violation of FCRA by you, the furnisher, to continue to report and this inaccurate information. inaccurate Especially with the actual knowledge, notice, and confirmation of the errors. 
Please provide me with a with the return of the time and form as prescribed by regulation or the Secretary my name, my address, my TIN, the dates, and the amount discharged /charge off debt, and other information as prescribed by the secretary.

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 2025-04-28 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute regarding a collection/discharge account on my credit file. After careful review, I have identified inconsistencies in the information on this account at the three major credit bureaus. The information reported is inaccurate, incomplete and inconsistent among Experian, TransUnion and Equifax.

Under the Fair Credit Reporting Act ( FCRA ), specifically : Section 623 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) states that information furnishers must not report information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

This situation directly violates my rights under the FCRA, as the account is being reported inaccurately without proper verification or consistency. The reporting of inaccurate or unverifiable information is harming my creditworthiness and financial reputation. 

Disputed account : XXXX I respectfully request that this charge/collection account be removed to reflect accurate and consistent information at all three credit bureaus and permanently removed from my credit report if the creditor or collection agency is unable to provide adequate verification and documentation. Please provide written confirmation of the results of this investigation as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ), inquiries must be authorized by the consumer or made with a permissible purpose. I have not authorized the inquiries listed below, nor was there a permissible purpose for these parties to access my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
The following account is reporting late payment when it was when it is my understanding the reason to believe that this debt was a charge off by you. Which was immortalized with a form of 1099-C as proof of evidence. If that is the fact, this debt is canceled and at least should not be reflecting any late payment date on my consumer file.

This would indicate inaccuracy in reporting on your behalf and therefore it is a violation of FCRA by you, the furnisher, to continue to report and this inaccurate information. inaccurate Especially with the actual knowledge, notice, and confirmation of the errors.

Please provide me with a with the return of the time and form as prescribed by regulation or the Secretary my name, my address, my TIN, the dates, and the amount discharged /charge off debt, and other information as prescribed by the secretary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Issue : Incorrect information on credit report Company : XXXX XXXX XXXX XXXX ( or collector if different ) Description : XXXX I am disputing an account reporting on my Experian credit file from XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 602 A ( 1 ) and 611 ( 15 U.S.C. 1681i ), I am requesting a proper investigation and validation of this account.

The information reported is inaccurate and incomplete : The account shows a charge-off but continues to report a past due balance ( {$1100.00} ), which is misleading and not consistent with charge-off reporting guidelines ( FCRA 623 ).

The balance updates and status updates conflict, suggesting ongoing account activity after charge-off. 

There is no evidence of original creditor documentation verifying the accounts ownership, amount, or accuracy under my rights per 15 U.S.C. 1681g and 1681s-2 ( b ).

As this account can not be properly validated and is reporting inaccurately, I request the immediate deletion of this tradeline from my credit report.

Additionally, I request that the furnisher of the information provide all supporting documentation to substantiate the validity of the debt, including : Original signed contract Full payment history Charge-off and write-off details Ownership and transfer information, if applicable Failure to correct or delete inaccurate information violates my consumer rights under FCRA and will be reported accordingly. I respectfully request this matter to be reviewed and the inaccurate tradeline 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 2025-04-28 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:
Issue : Incorrect information on credit report Company : XXXX XXXX XXXX XXXX ( or collector if different ) Description : XXXX I am disputing an account reporting on my Experian credit file from XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 602 A ( 1 ) and 611 ( 15 U.S.C. 1681i ), I am requesting a proper investigation and validation of this account.

The information reported is inaccurate and incomplete : The account shows a charge-off but continues to report a past due balance ( {$1100.00} ), which is misleading and not consistent with charge-off reporting guidelines ( FCRA 623 ).

The balance updates and status updates conflict, suggesting ongoing account activity after charge-off. 

There is no evidence of original creditor documentation verifying the accounts ownership, amount, or accuracy under my rights per 15 U.S.C. 1681g and 1681s-2 ( b ).

As this account can not be properly validated and is reporting inaccurately, I request the immediate deletion of this tradeline from my credit report.

Additionally, I request that the furnisher of the information provide all supporting documentation to substantiate the validity of the debt, including : Original signed contract Full payment history Charge-off and write-off details Ownership and transfer information, if applicable Failure to correct or delete inaccurate information violates my consumer rights under FCRA and will be reported accordingly. I respectfully request this matter to be reviewed and the inaccurate tradeline removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

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 2025-04-28 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * Balance Owed XXXX {$5100.00} XXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * Balance Owed XXXX {$5100.00} XXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this dispute regarding a collection/discharge account on my credit file. After careful review, I have identified inconsistencies in the information on this account at the three major credit bureaus. The information reported is inaccurate, incomplete and inconsistent among Experian, TransUnion and Equifax.

Under the Fair Credit Reporting Act ( FCRA ), specifically : Section 623 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) states that information furnishers must not report information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

This situation directly violates my rights under the FCRA, as the account is being reported inaccurately without proper verification or consistency. The reporting of inaccurate or unverifiable information is harming my creditworthiness and financial reputation. 

Disputed account : XXXX I respectfully request that this charge/collection account be removed to reflect accurate and consistent information at all three credit bureaus and permanently removed from my credit report if the creditor or collection agency is unable to provide adequate verification and documentation. Please provide written confirmation of the results of this investigation as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am submitting this dispute regarding a collection/discharge account on my credit file. After careful review, I have identified inconsistencies in the information on this account at the three major credit bureaus. The information reported is inaccurate, incomplete and inconsistent among Experian, TransUnion and Equifax.

Under the Fair Credit Reporting Act ( FCRA ), specifically : Section 623 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) states that information furnishers must not report information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

This situation directly violates my rights under the FCRA, as the account is being reported inaccurately without proper verification or consistency. The reporting of inaccurate or unverifiable information is harming my creditworthiness and financial reputation. 

Disputed account : XXXX I respectfully request that this charge/collection account be removed to reflect accurate and consistent information at all three credit bureaus and permanently removed from my credit report if the creditor or collection agency is unable to provide adequate verification and documentation. Please provide written confirmation of the results of this investigation as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-04-28 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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