vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
Upon reviewing my credit file, I identified a hard inquiry that I did not authorize. I take my credit and identity security seriously, and this kind of unauthorized access is both troubling and unacceptable.

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 2025-07-09 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: KS

Complaint narrative:
I am filing a complaint against TransUnion for unlawfully readding a previously deleted account back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. The account in question is : Creditor Name : XXXX  XXXX ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year> This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within five business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA 611 ( a ) ( 5 ) ( B ) moving forward.

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 2025-07-09 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: FL

Complaint narrative:
I am a victim of identity theft there were some address, credit card accounts, cell phone accounts open in my name that I did not authorized & would like this removed from all XXXX of my credit reports Date open XX/XX/XXXX XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX  XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX balance XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am a victim of identity theft there were some address, credit card accounts, cell phone accounts open in my name that I did not authorized & would like this removed from all XXXX of my credit reports Date open XX/XX/XXXX XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX  XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX balance 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 2025-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Have requested a credit limit increase nearly monthly for three years.

Targets credit card payment system managed by TD Amertirade is excessively slow to reflect payments made toward the balancereflecting in the available credit. Im constantly stuck where theyre sitting on my money for an indeterminate amount of time but refuse to increase how much credit is available for immediate use. I regularlyat least once if not twice monthlyhave a XXXX balance with them but {$0.00} available credit. 

They refuse to commit to an amount of time it will take for the payment to be reflected in the available credit. It regularly takes over a week. Its taken up to 10 business days to reflect a payment in the available credit.

This prevents me from saving 5 % as promised by Target when I opened up the card because Im unable to use my Target card with no available balancethe entire reason I got the card in the first place.

I believe that theyre processing it intentionally slow to force me to spend more at Target, reducing my ability to save 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XXXX XXXX and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. 
If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-09 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:
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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear Sir or Madam, I am formally disputing the validity of the alleged debt your company is reporting and attempting to collect, which is apparently tied to a utility account with XXXX XXXX Massachusetts. I have no knowledge of this account, never received a final bill, and never entered into any agreement for service that would justify this balance. 

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 am requesting full validation of this alleged debt. This must include, but is not limited to : A signed contract or service agreement establishing liability ; A complete itemized account history showing charges, usage, and payments ; Proof of assignment or legal ownership of the account ; A Forward Flow Agreement or other agreement showing documentation obligations and warranties between you and the original creditor ; Proof of your authorization and state license to collect debt in [ Your State ].

Most debt buyers and third-party agencies do not obtain the original documentation required to legally validate utility debts. In fact, XXXX XXXX Agreements often disclaim accuracy and exclude key documents, making the data factually and legally unverifiable. Reporting or collecting based on incomplete information violates both the FDCPA and FCRA.

You are currently reporting this tradeline to the credit bureaus without proper validation. This is a violation of : FCRA 1681e ( b ) : Failure to maintain accurate information ; FCRA 1681s-2 ( b ) : Failure to properly investigate a consumer dispute ; FDCPA 1692g ( b ) : Failure to cease collection without validation.

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 2025-07-09 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: NC

Complaint narrative:
I am writing to report a hard inquiry that I have no knowledge of and did not authorize. I am deeply concerned that my personal information may have been accessed in error or through fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
The company name is credence resource manage account number is XXXX and they tried this before .. under the law 15USC1681c-2 XXXX XXXX XXXX XXXX XXXX can not add this to my credit report without proof and this is the second time it was pulled off before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX 's handling of two charged-off credit card accounts in my name. Despite these accounts being charged off, XXXX XXXX continues to report balances on my credit reports and is actively attempting to collect on these debts. 

If a Form 1099-C ( Cancellation of Debt ) has been issued for these accounts, as required under IRS guidelines for canceled debts, the balances on my credit report should reflect {$0.00}. However, no such correction has been made, and I have not received copies of the Form 1099-C.

This ongoing reporting of a balance and continued collection activity on canceled debt violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and also constitutes deceptive practices under the Dodd-Frank Act. 
I respectfully request that the CFPB investigate this matter and compel XXXX XXXX to : Provide copies of any 1099-C forms issued Immediately update all credit reporting agencies to reflect a {$0.00} balance if the debts were canceled Cease all further collection activities on these accounts Thank you for your attention.

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 2025-07-09 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX 's handling of two charged-off credit card accounts in my name. Despite these accounts being charged off, XXXX XXXX continues to report balances on my credit reports and is actively attempting to collect on these debts. 

If a Form 1099-C ( Cancellation of Debt ) has been issued for these accounts, as required under IRS guidelines for canceled debts, the balances on my credit report should reflect {$0.00}. However, no such correction has been made, and I have not received copies of the Form 1099-C. 

This ongoing reporting of a balance and continued collection activity on canceled debt violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and also constitutes deceptive practices under the Dodd-Frank Act. 
I respectfully request that the CFPB investigate this matter and compel XXXX XXXX  to : Provide copies of any 1099-C forms issued Immediately update all credit reporting agencies to reflect a {$0.00} balance if the debts were canceled Cease all further collection activities on these accounts Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 submitting this complaint regarding XXXX XXXX XXXX XXXX 's handling of two charged-off credit card accounts in my name. Despite these accounts being charged off, XXXX XXXX continues to report balances on my credit reports and is actively attempting to collect on these debts. 

If a Form 1099-C ( Cancellation of Debt ) has been issued for these accounts, as required under IRS guidelines for canceled debts, the balances on my credit report should reflect {$0.00}. However, no such correction has been made, and I have not received copies of the Form 1099-C.

This ongoing reporting of a balance and continued collection activity on canceled debt violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and also constitutes deceptive practices under the Dodd-Frank Act. 
I respectfully request that the CFPB investigate this matter and compel XXXX XXXX  to : Provide copies of any 1099-C forms issued Immediately update all credit reporting agencies to reflect a {$0.00} balance if the debts were canceled Cease all further collection activities on these accounts Thank you for your attention.

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 2025-07-09 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: NY

Complaint narrative:
I have notice that these two XXXX XXXX  accounts been re-inserted in my Credit Report. I already paid all those balances.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase credit and debit cards got closed.

I was trying to use my credit card and got declined. I have XXXX credit cards with Chase and one checking account. I got a text message telling me my account is XXXX. I called customer service they told me my account has been closed with no reason. I called Chase XXXX XXXX and filed a complaint # XXXX. 
They closed my account without my permission neither notification. I cant use my fund. They will hurt my credit score. My score is XXXX. I told them to give me a reason but they dont want to give any reasons. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
I received a phone call in XX/XX/year> about this debt in collections. Since they couldnt provide service dates and place I was skeptical. So I asked then to send me a copy of any verifying bills from the original debtor. They sent there collection bill. They said the original debtor sent many letters to my old address. I never received anything. I even moved out of state and had mail forwarded and never received anything. Ive received one letter from this collection agency. Now that they cant provide any information they report it to the credit bureau. I want these to be removed or I will take legal action as they havent provided me with due process or followed the law in regards to fair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account opened with XXXX XXXX XXXX XXXX Hard Inquiry inquired with XXXX XXXX XXXX XXXX Hard Inquiry inquired with XXXX XXXX XXXX XXXX In My Experian and Transunion Reports is Written that the Account mentioned above was opened in XXXX but in Equifax report is written that account was opened in 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 2025-07-09 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: GA

Complaint narrative:
I am disputing a charge-off account from XXXX ( ending in XXXX XXXXXXXX ) that is being inaccurately reported on my Equifax credit report. The account was charged off, and my last confirmed payment occurred before XX/XX/XXXX. I have attached full XXXX XXXX bank statements from XXXX through XX/XX/XXXX, none of which show any payment to XXXX. 
Despite this, XXXX is reporting the account as " XXXX days past due '' every month from XX/XX/XXXX through XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits re-aging accounts after charge-off and limits the reporting of negative information to XXXX years from the date of first delinquency. 
Based on the documentation I provided, the date of first delinquency was no later than XX/XX/XXXX. That means the XXXX reporting period ended in early XXXX yet the account is still active on my Equifax report and is being re-reported monthly as delinquent. This has caused a recent, unjustified XXXX drop in my credit score. 
I already disputed this through Equifax and submitted the supporting bank statements, but they responded that the information was verified as accurate. XXXX has not provided proof of a more recent payment or validated their ongoing reporting practices. 
I am requesting that the CFPB investigate and require XXXX to either correct the reporting to reflect the original delinquency date or delete the account entirely, as it is past the legal reporting limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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