vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) 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 XXXXXXXX XXXX XX/XX/XXXX XXXX LATE PAYMENTS ( EX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
DEAR GM FINANCIAL : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am a consumer working on fixing my credit, and I am submitting this complaint regarding the inaccurate reporting of accounts and inquiries. These accounts are listed as disputed across the major credit bureaus ( TransUnion ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-25 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: NY

Complaint narrative:
In early XXXX, an XXXX XXXX XXXX XXXX credit card account charged off without prior notice. The account had already disappeared from my online banking portal, and I received no billing statements, late notices, or communications before the charge-off occurred. 

I contacted XXXX XXXX XXXX  in XX/XX/XXXX for information and received no response. In XX/XX/XXXX, I received the first collection notice from XXXX XXXX XXXX. I immediately requested debt validation, and Radius responded that they could not validate the debt and were waiting for XXXX XXXX XXXX  to provide documentation. They paused all collection activity. 

Eventually, XXXX XXXX XXXX provided vague statements and a disclosure that failed to show any authorization for the debit inactivity fee and post-charge-off charges. Their balance is inflated and includes fees removed and re-added by journal entry without documentation. These practices are not supported by their cardholder agreement and likely violate TILA. 

Further, XXXX XXXX XXXX is now reporting the account with a fabricated " Last Payment Date '' of XX/XX/XXXX and a " Date Last Active '' of XX/XX/XXXX, even though no activity or payment occurred. This appears to be re-aging. The account was marked CO every month through XX/XX/XXXX, then suddenly changed to XXXX in XXXX and blank in XXXX. 

I disputed the account with TransUnion, XXXX XXXX XXXX in XX/XX/XXXX. Despite providing documentation, they verified the tradeline without correcting the errors. This account is being inaccurately reported, re-aged, and is based on unverifiable, inflated debt. I am requesting its removal under 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 non-monetary relief
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
In early XXXX, an XXXX XXXX XXXX XXXX credit card account charged off without prior notice. The account had already disappeared from my online banking portal, and I received no billing statements, late notices, or communications before the charge-off occurred. 

I contacted XXXX XXXX XXXX in XX/XX/XXXX for information and received no response. In XX/XX/XXXX, I received the first collection notice from XXXX XXXX XXXX. I immediately requested debt validation, and XXXX  responded that they could not validate the debt and were waiting for XXXX & XXXX to provide documentation. They paused all collection activity. 

Eventually, XXXX XXXX XXXX provided vague statements and a disclosure that failed to show any authorization for the debit inactivity fee and post-charge-off charges. Their balance is inflated and includes fees removed and re-added by journal entry without documentation. These practices are not supported by their cardholder agreement and likely violate TILA. 

Further, XXXX XXXX XXXX is now reporting the account with a fabricated " Last Payment Date '' of XX/XX/XXXX and a " Date Last Active '' of XX/XX/XXXX, even though no activity or payment occurred. This appears to be re-aging. The account was marked CO every month through XX/XX/XXXX, then suddenly changed to XXXX in XXXX and blank in XXXX. 

I disputed the account with XXXX Equifax, and XXXX  in XX/XX/XXXX. Despite providing documentation, they verified the tradeline without correcting the errors. This account is being inaccurately reported, re-aged, and is based on unverifiable, inflated debt. I am requesting its removal under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
People opened new accounts in my name, they opened a XXXXXXXX XXXX account, XXXX and Citi bank thats in debt for {$15000.00} and it's damaging my account. Also a living space credit card and XXXX XXXX I want all of those removed. And I literally told them that the address they sent to isn't mines. And the one that was sent to my address the XXXXXXXX XXXX XXXX I throw out because I live with my parents so why would I need 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 non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. Please find the details of the disputed accounts listed below. I believe that these accounts are being inaccurately reported, and I am seeking a correction. Please provide the necessary documentation and conduct a thorough investigation of the following items. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Inquiries : XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2025-11-25 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX 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. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: GA

Complaint narrative:
Company Subject to Complaint : Credit Bureau Systems ( CBS ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX Alleged Debt Account Number : XXXX Alleged Creditor : The XXXX XXXX XXXX XXXX Collection of debt not owed ; collection of unauthorized amounts ; false representation of amount/legal status of debt. 

Narrative : Credit Bureau Systems ( CBS ) is attempting to collect a debt on behalf of The XXXX XXXX that is not legally owed and includes an unauthorized, illegal surcharge. 

XXXX. The Debt is Invalid ( Creditor 's Unfair Practice ) : The original rental was fully paid upon return, resulting in a {$0.00} $ balance, as evidenced by the final rental receipt. The alleged principal debt of {$320.00} from The XXXX XXXX is an improper and disputed charge that was added after the account was settled. XXXX failed its contractual obligation to inform me of any fee corrections or extra charges before attempting to charge my bank and subsequently placing this debt with CBS. This improper charge was formally disputed via a credit card chargeback process, which was successfully resolved in my favor. The original debt was reversed and credited, meaning XXXX has no legal basis to claim this debt is outstanding. I possess documentation ( XXXX {$0.00} $ balance receipt or bank statement showing the credit ) that proves this debt is invalid. 

2. Illegal Collection Fees ( Collector 's Deceptive Practice ) : Despite the debt being invalid, XXXX has initiated collection and added an unlawful fee. The collection letter shows : Principal Balance ( The Improper Charge ) : $ XXXX Surcharge ( 40 % ) : $ XXXX Due : {$450.00} The addition of a 40 % collection surcharge is prohibited under the Fair Debt Collection Practices Act ( FDCPA ) unless that fee is expressly authorized by the agreement creating the debt or permitted by law. While the original contract may mention a general 'process fee, ' the addition of a 40 % surcharge ( {$130.00} ) to an already invalid principal debt is unconscionable, punitive, and constitutes a false representation of the amount legally owed, which is a clear violation of the FDCPA. By demanding {$450.00}, CBS is falsely representing the amount of the debt, which is a clear violation of the FDCPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: PA

Complaint narrative:
Issue : Improper debt collection, forwarding a disputed debt, failure to provide documentation, inaccurate reporting. 

Complaint : I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, TX ) and their collection agency, Sentry Credit. XXXX forwarded a move-out balance to Sentry Credit while the balance was actively under dispute, which is a violation of the Fair Debt Collection Practices Act.

Timeline : On XX/XX/year>, I submitted a written dispute of the move-out charges and requested all documentation. 
The property never provided any of the requested documentation ( invoices, cleaning charges, paint charges, renovation schedule, etc. ). 
My maintenance damage claim, which was acknowledged in writing by the former XXXX XXXX, was not resolved. 
Despite all this, XXXX forwarded the account to collections.

Sentry Credit then sent me a notice. The notice also listed the wrong balance before adjusting to the current one.

This debt is not validated, not documented, and not legally collectible. I am requesting the CFPB assist in : 1. Halting all collection activity 2. Requiring XXXX XXXX to provide proper documentation 3. Correcting the improper submission to collections 4. Ensuring no negative credit reporting occurs Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am submitting this statement to document the full payment history and my efforts to rectify my account. 

On XX/XX/XXXX, I paid my account in full in the amount of {$9400.00} using a check drawn from XXXX XXXX. The funds were verified, and I was issued a confirmation number. This payment was made nine days prior to the account closure date. 

On XX/XX/XXXX, I contacted Good Leap and was informed for the first time that my payment had been returned. I had not received any prior notification of this issue. 

In response, and acting in good faith, I immediately attempted to rectify the situation by submitting the original payment amount of {$9400.00} again on XX/XX/XXXX. At that time, I specifically requested that any interest be waived, since I was never informed of the returned check and had already paid in full before the due date. 

I was in communication with XXXX XXXX, Account Representative, who had previously stated in her email that there was a grace period. Based on this assurance, I believed my account would be recognized as paid in full without additional interest. 

Here are the facts : I paid the account in full before the due date. I was only informed of the returned payment after the fact. I took immediate steps to rectify the situation with another full payment on XX/XX/XXXX. I requested interest be waived, as the delay was caused by lack of notification, not by failure to pay. 

I respectfully request that my account be recognized as paid in full as of XX/XX/XXXX, consistent with the original payment and confirmation number issued, and that any interest accrued after that date be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the EquifaxXXXX XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-25 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the EquifaxXXXX XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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