vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand DELETE and or BLOCK According to law that you immediately provide the following information regarding your verification of these accounts The precise method used to verify the accounts. 
A copy of the original documentation relied upon. 
The name, title, and contact information of the individual or entity that conducted the verification. 
pursuant to the Identity Theft and Assumption Deterrence Act ( XXXX XXXX CXXXXe XXXX ), and under Section XXXXB of the FCRA ( 15 U.S. CXXXXe XXXX ), you are obligated to block and remove information resulting from identity theft. Furthermore, Section XXXX ( a ) ( XXXX ) of the FCRA ( 15 U.S. CXXXXe XXXXi ) mandates that you provide detailed documentation of the verification process. To date, you have failed to meet these requirements DELETE OR BLOCK ACCORINGLY Inquiry Unauthorized Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX OF XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXXXXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX Balance {$62000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Original balance {$65000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX XXXXXXXX Phone number ( 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 2025-03-19 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 demand DELETE and or BLOCK According to law that you immediately provide the following information regarding your verification of these accounts The precise method used to verify the accounts. 
A copy of the original documentation relied upon. 
The name, title, and contact information of the individual or entity that conducted the verification. 
pursuant to the Identity Theft and Assumption Deterrence Act ( XXXX XXXX CXXXXe XXXX ), and under Section XXXXB of the FCRA ( 15 U.S. CXXXXe XXXX ), you are obligated to block and remove information resulting from identity theft. Furthermore, Section XXXX ( a ) ( XXXX ) of the FCRA ( 15 U.S. CXXXXe XXXXi ) mandates that you provide detailed documentation of the verification process. To date, you have failed to meet these requirements DELETE OR BLOCK ACCORINGLY Inquiry Unauthorized Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX OF XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXXXXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX Balance {$62000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Original balance {$65000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint for Inaccurate and Unverifiable Collection Account FCRA Violation Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TransUnion for reporting an unverified and inaccurate collection account from XXXXXXXX XXXX ( Account XXXX XXXXXXXX ). ** This account contains critical missing information, potential re-aging violations, and lacks proper documentation, making it a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Bank XXXX. ) Account Number : XXXX Reason for Complaint : The account is unverifiable, lacks complete information, and appears to have been illegally re-aged. 
Issues & Violations Identified : No Payment History or Supporting Information : The account lacks key details such as payment history, credit limit, number of months, and date of last payment. 
Under FCRA 15 U.S.C XXXXe ( b ), all reported information must be complete and accurate. This account fails to meet that standard. 
Possible Re-Aging of the Account : Opened in XXXX but shows last activity in XXXX, even though no payment has been made. 
Falsely updating the date of last activity is illegal under FCRA XXXX ( a ) ( XXXX ) and is considered " re-aging, '' a deceptive and unlawful credit reporting practice. 
Account Not Reported to XXXX or XXXX : This raises serious concerns about its legitimacy. If a valid collection exists, why is it only on TransUnion? 
Under FCRA XXXX, if a collection agency can not provide consistent reporting, the account must be removed. 
Failure to Provide Proof of Debt Validation : I have never received any validation of this debt from XXXX XXXX, making this collection invalid under the FDCPA ( Fair Debt Collection Practices Act ) XXXX ( b ). 
Requested Resolution : I demand the immediate removal of this collection account from my credit report due to its unverifiable status, incomplete data, and potential re-aging violation. 
If TransUnion can not provide valid and complete documentation, they are legally required to delete this account under the FCRA. 
I request that the CFPB investigate this violation and enforce compliance with federal credit reporting laws. 
I am attaching a copy of my credit report highlighting these discrepancies, as well as prior dispute attempts. 

I expect a timely and fair resolution to this issue. If the inaccuracies are not corrected or removed promptly, I will consider further legal action against TransUnion and XXXX XXXX for knowingly reporting false information and violating federal laws.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit profile and came across quite a few inquiries that are not mine.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Probable phishing scam trying to get me to call a supposed financial institution to pay and over due debt. I do not know or have ever done business with the subjects ( Halsted LLC ) who are harassing me via email. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Synchrony Bank concerning a fraudulent credit card account that has caused significant financial inconvenience and stress. I am seeking your assistance in having this issue resolved once and for all, as Synchrony Bank has failed to adequately address the situation after multiple attempts to resolve the matter. 

Here are the key details of my complaint : XXXX. Fraudulent Credit Card Account : In late 2024, I identified a fraudulent credit card account that had been opened in my name without my consent. After I reached out to XXXX to report the issue, they agreed to remove the account from my credit report. Synchrony Bank also agreed to close the fraudulent credit card at that time. I thought the matter was resolved, and the account was closed, but I was mistaken. 

XXXX. Re-establishment of the Credit Card Account : A month later, I discovered that Synchrony Bank had re-established the same fraudulent credit card account without my consent. Additionally, erroneous charges were applied to this account, which I did not authorize. 

XXXX. Unauthorized Withdrawals from My Bank Account : Synchrony Bank has been attempting to withdraw payments of over {$600.00} per month from my bank account for this fraudulent credit card. However, I have successfully placed stop payments with my bank on these transactions each month to prevent any funds from being withdrawn. 

XXXX. Request for Final Resolution : Despite my repeated efforts to resolve the situation, Synchrony Bank has not taken any meaningful action to permanently close the fraudulent account or remove my payment information from their system. I am requesting that Synchrony Bank close out the fraudulent account once and for all and remove any payment information associated with this account from their records to prevent them from attempting any future unauthorized withdrawals. 

I would appreciate your urgent intervention in ensuring that Synchrony Bank takes appropriate action to resolve this matter and prevent any further financial harm. 

Please let me know if you need any additional information from me in order to process this complaint. 

Thank you for your attention to this matter. I look forward to your prompt assistance.

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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Reliable Auto Finance, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX who I've financed through XXXX and is currently up to date with payments and insurance was repossessed by XXXX & XXXX XXXX In XXXX, Michigan Ph # XXXX for a debt owed on a vehicle of my financed through Reliable Auto back in XXXX. Today was the XXXX  time I received anything about my old repo from XXXX XXXX about a delinquent account which I thought was satisfied since it has been almost XXXX years. The order to pick up my vehicle looks quite awkward because it was dated today 's date and not the judgment date issued by the XXXX district court claiming the vehicle is XXXX XXXX 's vehicle, but it is instead XXXX 's vehicle. The court XXXX XXXX XXXX told me either give up my daughter 's vehicle or pay him {$8000.00} which is owed to XXXX XXXX. I'm not sure if that is fair. I spoke to XXXX several time and they told me to file a complaint as this is unjust and not their vehicle at all plus, I'm current with my payments. XXXX Police Department said they are the middle-man in this when I complained about my car being seized. I never had to deal with anything like this before. I'm a XXXX veteran living on a fixed income taking care my ill mother and daughter. I'm distraught right now for all of the payments I've made on this XXXX XXXX and working to get myself well as a sick individual who has worked hard for everything I have. Thanks for your time reading. If you need to get ahold of me call me phone # XXXX and my email address is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm is reporting that i owe to all XXXX credit bureaus, this is indeed incorrect. This account was paid in full. I have contested affirm on numerous occasions only to get overseas reps who are less than helpful. I have also written the company with XXXX response. Please update immediately and remove from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I filled out online disputes on correcting items on my Experian reports on the following infromation : Names and aka 's i dont use Telephone numbers that are not mine Address that i dont live at or heard of Under notices they have a business name that not mine never worked or have a business? 

Please I tried several attempts to have them remove or correct nothing has been done

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 2025-03-19 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:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma have improper use of my report. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer recording agency can not furnish an account without my written instructions under 15 US 1666B a creditor may treat a payment on an account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this report to address incorrect details on my credit report. Equifax confirmed a system error that leaked my personal info, which was then misused. I've been denied credit as a result, and I request a resolution within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified, corrected or deleted : XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$17000.00} past due. Please verify the accuracy of this informationXXXX XXXX XXXX XXXX  XXXX ( Account # XXXX ) Collection account with a {$890.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXX XXXX XXXX  ( Account # XXXX ) XXXX  account with a {$130.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. Enclosures : Credit Report Supporting Documentation.

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation