vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding their improper handling of my dispute and their ongoing unlawful reporting of an account to the credit reporting agencies. 

I disputed an alleged debt with XXXX XXXX and formally requested validation on multiple occasions, including my most recent data validation. XXXX XXXX responded to my latest request by refusing to provide validation, claiming they " already provided it three times '' in the past ( XXXX, XXXX, and XXXX ). They also stated that because the prior notices were not returned as undeliverable, they assume I received them and refuse to send any further validation. 

Violations Identified : FDCPA Violation 15 U.S.C. 1692g ( b ) : XXXX XXXX failed to provide proper validation after receiving my dispute, as required by law. A consumers right to debt validation does not expire simply because a collector claims to have sent it before. Each new written dispute demands a proper response or else all collection activities, including credit reporting, must cease. 

FCRA Violation 15 U.S.C. 1681s-2 ( b ) : Upon receipt of my dispute, XXXX XXXX had a legal obligation to conduct a reasonable investigation and either validate, correct, or delete the account from reporting. By refusing to validate and continuing to report the account to Equifax, Experian, and XXXX, they have violated the Fair Credit Reporting Act. 

FDCPA Violation 15 U.S.C. 1692e : XXXX XXXX made deceptive and misleading statements by claiming that they are no longer required to validate the debt, and by assuming receipt of previous mailings without providing any proof of actual delivery. 

Relief Requested : I respectfully request that the CFPB take action to ensure that XXXX XXXX immediately : Ceases all reporting of the disputed account to the credit bureaus ; Deletes the account from Equifax, Experian, and XXXX  ; Provides proper written confirmation of account deletion ; and Is held accountable for their violations of federal law. 

I have attached supporting evidence of XXXX XXXX response letter admitting their refusal to validate, and will not provide any additional documents upon request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: GA

Complaint narrative:
Yes I have XXXX different issues XXXX * I've ordered a new card yet they haven't even issued me XXXX which I find crazy XXXX * I can sometimes make purchases using XXXX that I have discover card linked to because even after verification it is declined I have no idea why if I make a purchase and I get a pop up saying Discover card wants to verify its really you then I click receive text message for XXXX time code and it verified that they immediately send me another text saying contact them for suspicious activity I'm sick of having to call or chat with them every single time I do something and doing it right XXXX * I have informed them several times that I didn't create a verbal password that they insist I did and I don't know why they want fix issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: WI

Complaint narrative:
Synergetic communication and XXXX XXXX called my XXXX this morning. But I didnt answer because I am XXXX. I never heard of the company so I looked their number up on internet. I never heard of them! Why they called me!! I dont have any debts! They are scammers. They need to stop calling me! And they need to stop emailing me and sending letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
Summary : OppLoansXXXX Bank is reporting an account on my credit file but has failed to provide a valid mailing address for disputes, in violation of 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( D ). 

Facts : On XX/XX/year>, I sent a certified letter requesting debt validation to the address listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The letter was returned by XXXX as " Undeliverable No Such Address. '' OppLoansXXXX XXXX failed to comply with FCRA requirements by not providing an address for consumers to dispute inaccurate information. 
The account remains on my credit report without proper validation or the opportunity for dispute. 

Violation : 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( D ) requires furnishers to supply consumers with an address for dispute notices. 
By failing to do so, OppLoansXXXX XXXX has obstructed my rights under the Fair Credit Reporting Act and is reporting unverifiable information. 

Attachments : Certified mail receipt Copy of original dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Subject : Failure to Validate Debt Formal Dispute and Demand for Deletion To Whom It May Concern, This letter is a formal follow-up to your recent response regarding the collection account associated with XXXX XXXX XXXX XXXX  XXXX No : XXXX ). Your response, provided via the Consumer Financial Protection Bureau ( CFPB ), is insufficient and does not satisfy the requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, nor your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

The following issues remain unresolved : 1. No signed agreement or contract has been provided that shows I personally incurred this debt. 
XXXX. No account-level documentation has been provided from the original creditor ( XXXX XXXX XXXX XXXX XXXX how the amount owed was calculated. 
XXXX. No proof of legal assignment or authority has been provided to demonstrate that XXXX XXXX XXXX is legally authorized to collect this debt. 
XXXX. The address you are using ( XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX ) is not associated with me and does not appear on any of my credit reports. I have never lived at or used that address, which further suggests this may be a case of identity theft or consumer file mixing.

5. I never received a debt validation notice prior to this being reported on my credit file. I only discovered this account while reviewing my credit report. 

In accordance with federal law, I now demand the following : Immediate deletion of this tradeline from all credit reporting agencies ( Experian, Equifax, and TransUnion ).

Written confirmation that all collection activity has ceased and that I will not be contacted further.

A statement confirming that Synerprise will not sell, assign, or transfer this account to any other party.

If you continue to assert the validity of this debt, then provide full and complete documentation including : A signed agreement linking me to the original creditor An itemized breakdown of the balance A copy of the debt assignment or purchase agreement showing Synerprises authority to collect Copies of statements or bills verifying the charges If you can not provide this documentation, you are required by law to delete this account and cease all collection efforts. Continuing to report or pursue this debt without proper validation XXXX be a violation of the FDCPA and FCRA and could subject your company to legal liability. 

I expect your response within 30 days of receiving this notice. This letter serves as formal notice that I dispute the validity and ownership of this debt and demand resolution in compliance with federal law. 

I have also included the files FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
Creditor XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PR

Complaint narrative:
XXXX XXXX is reporting my name as XXXX XXXX XXXX MY SECOND LAST NAME IS REPEATED MY CORRECT AND ONLY NAME IS XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: WA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: WA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> I received a letter saying Welcome to the Chime Family, with a debit card enclosed and the account and routing number for the new account. It had my name on it, and was sent to my home address. I have never heard of this company and did not open this account. I called the customer service number and they did assist me in closing the account. But now I expect to have to keep tabs on my credit and accounts to make sure this doesn't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens went ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exists, ( please remove these accounts before I seek litigation for defamation of character. ) 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 2025-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: River City Mortgage LLC
State: AZ

Complaint narrative:
I applied for an FHA streamline refinance on my mortgage with " River City Mortgage ''. I was sent a loan disclosure agreement that locked in my rate. I provided them all of my sensitive information including XXXX, Social security number, current mortgage statement etc. I signed my agreement XX/XX/year>. the document was protected by a customized login that included my social. the code did nto work, which led me to question the disclosure. I asked my loan XXXX, in writing if my information was accurate or did it need to be changed? The company ( River City Mortgage ) had me push through and gave me a special code. nevertheless I signed the initial agreement that detailed all information including my new monthly payment etc. My XXXX then told me that my loan was in processing. XXXX days later he reached back out to me saying I needed to sign an updated agreement with the correct information. I reluctantly agreed but was promised the same rate ( in writing ) so I moved forward. Since that date I was told countless times over the phone and in writing that my loan was being processed and should be ready to close any day. XXXX days ago my loan officer called me and told me he quit because his company was sketchy and he wante me to follow him to his new company. As you can imagine this raised immediate red flags. Later that day the XXXX XXXX of the XXXX XXXXXXXX XXXX River City Mortgage reached out and said that they never locked in my rate and they could not help me. I responded abruptly and told them to fix the issue or I would file a complaint with the FTC, XXXX and pursue legal action. They have since then not responded to any outreach to remediate the issue they caused. I also was reccomended by their loan XXXX ( in writing ) to put XXXX towards my current loan to help lower the monthly payments even more. I told him I did not want to do that until my rate was locked. he assured me that it was and that I should apply the payment. I am beyond upset that a company can behave this way. If this is not fraudulent, bordering on criminal, behavior I don't know what is. In a society built on the tenants of property ownership, this should be absolutely condemned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  Account # : XXXX They didn't provide the full account number XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX : * * Subject : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account * * To Whom It May Concern, I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. The account in question is : * * Reported as : * * Charge-Off with Balance This account is * * fraudulent and in violation of the FCRA * * for the following reasons : XXXX. * * Incorrect Reporting as Charge-Off with Balance * * The creditor has * * failed to issue me a legally required XXXX ( Cancellation of Debt ) * * despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes. 

XXXX. * * Violation of IRS XXXX XXXX XXXX FCRA * * By reporting this debt as a loss to the IRS * * without issuing me a XXXX * *, the creditor has * * misrepresented the debt status * *. If they claimed a tax deduction for this loss, the balance must be * * {$0.00} * *, and the account must be * * removed from my credit report * *. 

XXXX. * * False & Misleading Information * * The continued reporting of a balance while claiming a tax write-off is * * deceptive and unlawful * * under * * XXXX XXXX. XXXX ( b ) * *, which requires maximum possible accuracy in credit reporting. 

* * Demand for Immediate Action : * * - * * Delete this account * * from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: AR

Complaint narrative:
A Self Financial/Lead Bank account was deleted from my Experian credit report on XX/XX/year>. 
It later reappeared without any written notice of reinsertion within 5 business days, violating FCRA 611 ( a ) ( XXXX ) ( B ). 
I did not authorize any new dispute or reinsertion. 

Requested Resolution : Immediate removal of the Self Financial account Proof whether reinsertion notice was sent Penalties for violating FCRA reinsertion rules

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau Attn : Complaint Department Subject : Credit Report Dispute XXXX  Dear CFPB, I am writing to formally dispute inaccurate information that XXXX  has failed to correct on my credit report, despite previous attempts to resolve the matter directly with them.

The item ( s ) in question are : Creditor Name : DISCOVER BANK Account Number : ACCOUNT ENDING IN XXXX ACCOUNT ENDING IN XXXX Inaccuracy : Accounts are closed due to delinquency. Reason to believe both accounts were closed due to fraudulent activity. 
I have previously contacted Experian on XX/XX/year> to dispute these inaccuracies and provided supporting documentation, including dispute letters and time stamps with dates of letters sent. To date, the item ( s ) remain unresolved, and Experian has not provided adequate justification or evidence to support the reporting.

This continued reporting of inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and compel Experian to take appropriate corrective action.

Enclosures : Copy of previous dispute ( s ) to Experian Credit report showing the disputed item ( s ) Supporting documentation Copy of government-issued ID Proof of address Please confirm receipt of this dispute and inform me of any further action required. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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