vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I am writing because the XXXX XXXX XXXX XXXX XXXXXXXX on my credit report is being reported as a charge-off every month for an extended period of time - especially on Experian. Also each entry has a different charge-off date ( XX/XX/year>2025 ; XX/XX/scrub> 2025 ; and XX/XX/year>2025 ). 

This is not only confusing its inaccurate and misleading. A charge-off is a one time event, not something that can be reported over and over again like it keeps happening. 

This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

Because of this, Im asking that this XXXX account be removed from my credit report completely. 

Please investigate this within the 30 days allowed by law and send me written confirmation of the deletion, along with an updated copy of my credit report. 

Thank you for your help in this matter, 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 2025-07-20 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In the process of purchasing a home and noticed damages on my credit report that are not recognized. According to the 15 U.S.C 1681 Law there should not be damages on my credit report.

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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Since filing my original complaint, my XXXX XXXX account was sold to collections ( XXXX XXXX ) on XXXX XXXX days later. Synchrony Bank refused to work with me directly and never sent a written resolution. I believe this transfer may be retaliatory or an attempt to avoid resolving the original issue. XXXX  is now demanding payment without guaranteeing a written settlement agreement. I am unable to resolve the matter safely under these conditions.

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 2025-07-20 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: CO

Complaint narrative:
I am the victim of identity theft. Citibank performed unauthorized hard inquiries on my credit report. I did not apply for any credit or services from Citibank, and I have already filed an identity theft report. I contacted Citibank, and they refused to remove the inquiries. I also submitted a previous complaint to CFPB ( Reference : XXXX and also XXXX ) but have not received a response. This is damaging my credit report and I urgently need assistance in having these inquiries 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 explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
After disputing a collection reported by XXXX XXXX, the credit bureau verified it as accurate. I then submitted a Method of Verification ( MOV ) request under FCRA XXXX ( a ) ( XXXX ), requesting details on how the information was verified and documentation used. 

The bureau responded with a generic letter, failing to provide the method of verification, creditor contact, or any documents used. This violates my rights under the FCRA and demonstrates an inadequate 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am filing this complaint because I have reached out to Nordstrom TD Bank multiple times regarding a debt that was previously forgiven, and I have requested a copy of the IRS Form 1099-C that confirms this. This form is required by the IRS when a creditor cancels or discharges a debt of {$600.00} or more, and it proves that the debt has been written off and reported to the IRS as canceled income.

Despite my requests, Nordstrom TD Bank has refused to provide this form and has also refused to remove the account from my credit report, even though it has been canceled. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be accurate, complete, and not misleading.

Why this is illegal : If a creditor files a 1099-C with the IRS, it is acknowledging that the debt is no longer owed. Continuing to report that same debt as active, charged-off, or delinquent on a consumers credit report is misleading and inaccurate, which directly violates Section 623 of the FCRA.

By law, once a debt is forgiven : The creditor can not continue to collect on it It must be reported accurately to credit bureaus either as canceled, with a zero balance, or removed entirely Reporting it as still owed damages my credit and misrepresents the true status of the account This debt should no longer be reported in a way that implies it is still due or in default. I am requesting the CFPB to investigate this matter and require Nordstrom TD Bank to either provide the 1099-C or immediately remove this account from all credit reporting agencies.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
Pease see attachments of correct spelling of my Name and My proof of address. 

Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested 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
Consumer complaint received 2025-07-20 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: MD

Complaint narrative:
I don't recognize this address on my credit report. Please remove. Thank you! 

XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This car loan was paid by insurance claim. The credit agency is putting wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), there is a congressional intent to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I am asserting my rights under the FCRA and the Gramm-Leach-Bliley Act ( GLBA ).

Experian, as a consumer reporting agency ( CRA ), is subject to these statutory responsibilities. Under 15 U.S.C. 6801 ( a ), financial institutions ( which include furnishers of information ) have an affirmative obligation to protect the privacy and confidentiality of consumers nonpublic personal information. I have not granted written consent to Experian or any furnisher of information to disclose or report my personal information, which is required under 15 U.S.C. 1681b ( a ) ( 2 ) : a consumer reporting agency may furnish a consumer report... only with the written instructions of the consumer.

Further, under 15 U.S.C. 6802 ( b ) - ( c ), financial institutions are required to give consumers the opportunity to opt out of information sharing with nonaffiliated third parties. I was never provided with an explanation of my right to opt out, nor was I given the opportunity to exercise it. I am now formally exercising my right to opt out of all information sharing and reporting concerning my nonpublic personal data.

Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no adverse information ( excluding criminal convictions ) may be reported if it is older than seven years. The account in question qualifies as an adverse item and is being reported without my consent in violation of this section.

Moreover, under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Experian is required under 15 U.S.C. 1681e ( b ) to maintain reasonable procedures to ensure maximum possible accuracy and to limit the furnishing of reports only for permissible purposes under 1681b. I believe Experian has failed to uphold these responsibilities.

Finally, as further supported by 12 C.F.R. 1016.7, I am exercising my legal right to opt out of information sharing and data reporting, effective immediately.

I am requesting that all unauthorized, inaccurate, or unverifiable accounts be permanently removed from my Experian credit file. Failure to comply constitutes a violation of both federal privacy laws and the Fair Credit Reporting Act.

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 2025-07-20 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: IL

Complaint narrative:
The following personal information are wrong : Incorrect Name - XXXX, XXXXXXXX XXXX  - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - The following personal information is incorrect- The personal data reporting 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 2025-07-20 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request the blocking of the following accounts and prevent any further reporting of them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: TX

Complaint narrative:
I am a minor who was billed {$2400.00} by Wilber Group based on an insurance claim that I am not legally responsible for. The accident occurred on XX/XX/year>, when I was under XXXX XXXX XXXX. The owner of the vehicle knowingly allowed me XXXX XXXX the car despite knowing I was a minor and that the car had no insurance or registration. As a result, the owner bears legal responsibility for the damages, not me. 

XXXX later sent an installment agreement addressed to my parents, but I was the only XXXX who signed it. I signed it as a minor, without a legal guardian co-signer. Under Texas law and general contract law, contracts signed by minors are voidable, and I am now formally revoking the agreement. Despite that, Wilber proceeded to debit {$2400.00} from my bank account. 

These charges were based on a voidable, non-enforceable contract, and I had no legal obligation to pay them. Wilber Groups collection activity in this case is improper and predatory. 

I am requesting the following : A full refund of {$2400.00} A formal investigation into Wilber Groups unlawful debt collection efforts against a minor I have attached the signed agreement ( addressed to my parents ), proof of my age, and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
The following personal informationn are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect DOB - XXXX  - The following personal information is incorrect - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting 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 2025-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: IL

Complaint narrative:
On XXXX XXXX, my mother passed XXXX XXXXXXXX XXXX. 
I XXXX XXXX was appointed supervised of the estate XXXX XXXX XXXX. 

Since then year 2025 I have been appointed XXXX XXXXXXXX of XXXX XXXX XXXX. 

I have agreed to assume the existing mtg as XXXX  XXXX of XXXX XXXX XXXX which I have the permissible and fudiciary purpose FHA mtg to assume to close the estate. 

I have submitted both letters of office supervised and independent and notarized permissible fudiciary rights. 

I still have not received any update payments requested lower payment fail behind and made some payments after my mom passed. 

Instead only to received a requested from mtg company to ask for relief and judgement. 

I am aware that this is a FHA insured mtg and if the property is foreclosed the investor would be paid more than a {$600.00} mtg payment. 

But this is our family house and my primary residents for the past 20 years. 

I am willing to assume the {$100000.00} payment to avoid going to auction.

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, [ Debt Collection Agency ] is not complying with these legal obligations. 
Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : 1. Immediate deletion of the unvalidated debt from all credit reporting agencies.

2. Statutory damages in the amount of {$5000.00} for [ Debt Collection Agency ] 's failure to comply with federal law and their neglect in handling this matter. 
Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: AL

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 168b permissible purposes of consumer reports. 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. 
CCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX ACCOUNT XXXX * XXXX * * ACCOUNT NAME : XXXX ACCOUNT XXXX * * ACCOUNT XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief