vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX, ACHIEVE I am writing to formally dispute inaccurate information appearing on my credit report. The item in question relates to a debt originally reported by [ Original Creditor Name ] and currently reported by [ Debt Collector Name ]. 
Accounts in Question : Original Creditor : Achieve Personal Loans Account Number : XXXX XXXXXXXX Status : Charged Off / Closed Debt Collector : XXXXXXXX XXXX  Account Number : XXXX Status : Collection Dispute Summary : The two entries reflect conflicting dates, including different/NO original delinquency dates and inconsistent account timelines.

Neither entry provides a clear " Date of First Delinquency ( DOFD ), '' which is required under the FCRA, specifically 605 ( c ). 


The absence of accurate delinquency dates may improperly extend the reporting period beyond the 7-year limit, and this could be considered unlawful re-aging of the debt.

Requested Action : Please investigate and remove any inaccurate, incomplete, or unverifiable information. 


Ensure that the Date of First Delinquency is accurately reported and consistent across all tradelines. 


If the accounts can not be verified or corrected, they must be deleted from my credit report under FCRA guidelines. 


I have included a copy of my government-issued ID and a utility bill as proof of identity and address. 
Please respond within 30 days, as required by the Fair Credit Reporting Act. I would appreciate written confirmation of your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
on XX/XX/year> Synchrony Bank decided to close my XXXX active accounts without a proper notification. No telephone call or e-mail was used to let me know of this decision XXXX XXXX XXXX personal credit card = {$0.00} balance XXXX XXXX XXXX XXXX XXXX = {$350.00} Balance and XXXXXXXX XXXX XXXX  = {$0.00} Balance reason for their decision - Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. 
After being with this Bank over 20 years is insane how I was treated. 
XX/XX/year> spoke with Representative he hang up on me XX/XX/year> spoke with a different representative NO CLEAR ANSWER IN THERE SYSTEM - wait for letter sent by the bank for explanations and on XX/XX/year> spoke with another agent and told me that a dispute was open but no case number or information was release by the agent. 
I'm just looking for a better reason on this issue

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 2025-05-10 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: GA

Complaint narrative:
Experian you have allowed XXXX to report inaccurate information that doesn't align with 15 USC 1681. This company has been providing deceptive devices for decades and I'm in the process of filing a law suit against them. Them information shared with Experian from XXXX is completely inaccurate. This company has harmed my credit file intentionally and I won't this account removed immediately. I have attached a separate notarized 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
Consumer complaint received 2025-05-10 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of US DEPARTMENT OF XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
To Whom It May Concern, This letter serves as formal notice that Experian has violated the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( a ) ( 5 ) ( B ).

Following a dispute in which inaccurate account information was deleted, XXXX later reinserted the previously deleted negative information back onto my credit file without providing the mandatory five-day written notification. This is a direct and serious violation of my rights under federal law.These are the following accounts listed below : Name : DEPT EDXXXX XXXX  Amount : {$1900.00} Late Payment was removed due to forbearance and reinserted Remove late payment off my account NAME : DEPT EDXXXX XXXXXXXX Amount : {$1100.00} Late payment was removed due to forbearance and reinserted Remove late payment off my account Your failure to follow proper reinvestigation and notification procedures shows noncompliance with the 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 2025-05-10 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: WA

Complaint narrative:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. This isnt just a clerical issue its a violation.

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am attempting to permanently close my XXXX account. I have removed all bank accounts and payment methods, have no remaining balance, and have followed all steps provided in XXXX official help articles and app settings. 

Despite this, the option to close my account does not work and I am repeatedly directed to contact XXXX Support. I have attempted to contact XXXX Support multiple times through all available channels ( in-app, email, and web ), but I have not received a resolution or meaningful response. 

XXXX is preventing me from exercising my right to close my account and delete my personal information, which is unacceptable. I am filing this complaint to formally request that XXXX close my account completely and confirm the closure in writing. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC
State: AL

Complaint narrative:
They made unauthorized hard inquiries when I never told them to run any hard inquiries they reported to 9 different companies on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
MY INFORMATION WAS USED TO GET THINGS THAT I HAVE NO KNOWLEDGE ABOUT. I REACHED OUT TO THE CREDITORS AND NOTHING HAVEN'T BEEN DONE AT ALL. 

THE COMPANIES ALL ENVOLVED ARE AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I have some inquiries that have been pulled on my credit report that doesnt belong to me. They are inaccurate and I didnt consent to anything being pulled on my credit report. According to the FCRA items unauthorized, unauthorized, not correct must be removed from your 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 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts show my incorrect information and have been impacting my credit report negatively Data Reporter Name : XXXX XXXX XXXX  The account should be paid and closed ( Satisfied ) Data Reporter Name XXXX  XXXX  XXXX Is a corporate account from an old company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
The following accounts show my incorrect information and have been impacting my credit report negatively Data Reporter Name : XXXX XXXX XXXX  The account should be paid and closed ( Satisfied ) Data Reporter Name XXXX  XXXX  XXXX Is a corporate account from an old 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 explanation
Consumer complaint received 2025-05-10 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: WA

Complaint narrative:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. This isnt just a clerical issue its a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute regarding inaccurate information appearing on my credit report. The disputed entry contains errors that do not reflect my actual account history or status. Despite my dispute, by XX/XX/year>, the item was simply marked as updated without any meaningful correction, and the inaccurate information remains on file. No documentation or valid verification has been provided to justify the continued reporting of this incorrect data. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and the reporting agency is required to conduct a reasonable investigation.

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 2025-05-10 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: Experian Information Solutions Inc.
State: OH

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.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Against : TransUnion, LLC Subject : Unexplained Credit Score Drop and Suspected Re-Aging of Closed Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against TransUnion, LLC regarding an unexplained and significant drop in my credit score. On or around XX/XX/XXXX, my TransUnion XXXX XXXX credit score dropped XXXX points, with no corresponding changes reported on my credit file. XXXX XXXX, which monitors my TransUnion data daily, states that there were no recent changes, and yet the score plummeted without explanation. 

I suspect this score drop may be related to the XXXX XXXXXXXX XXXX  account ( opened XX/XX/XXXX ), which I previously disputed due to potential re-aging and outdated reporting. I have not opened any new accounts, missed any payments, or changed my credit behavior in a way that would justify a nearly XXXX drop. I did have a single hard inquiry from XXXX on XX/XX/XXXX, but this would not reasonably cause a score drop of this magnitude. 

I believe TransUnion is either : Silently re-aging a previously negative account, or Manipulating the scoring model without transparency, resulting in misleading consumer data and potential FCRA violations. 

This score drop has harmed my ability to seek financing and has created emotional and financial stress, especially given that Equifax increased by XXXX points during the same period, indicating positive credit activity overall. 

I have mailed a formal dispute letter to TransUnion via certified mail, requesting a full investigation. I am now asking the CFPB to : 1. Investigate the unexplained score drop and reporting practices of TransUnion.

2. Require TransUnion to provide a detailed explanation for the change in score.

3. Ensure fair, transparent, and accurate credit reporting per the FCRA. 

Attached are screenshots from XXXX XXXX and Experian showing relevant data, including the XXXX XXXXXXXX XXXX  listing and recent inquiry. 

Thank you for your attention and help resolving this matter. 

SincerelyXXXX 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 2025-05-10 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of US DEPARTMENT OF EDU XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-05-10 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT 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