vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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 received a letter in the mail from you recently specifying that I owe your company or whoever your company represents for an alleged debt.

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 2025-05-20 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 received a letter in the mail from you recently specifying that I owe your company or whoever your company represents for an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
XX/XX/year> I requested to have my bank account removed and they stated that they can not to have the information left in the system to see if application would be approve in the future and i stated for them to remove my information and they stated that the system won't let them but everything doesn't seem legit because they already gave false advertisements of being approved and when i check reviews on the company there has been many complaints of fraud from them

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 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZ ON MY CREDIT REPORT, AND IT'S PREVENTING ME FROM RECEIVING CREDIT. 

XXXX XXXX XXXX XX/XX/year> {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was given a full refund from XXXX XXXX  on XX/XX/year> for issues with dental work! The office XXXX XXXX promised refund and even did a free reprint of dentures due to the severe issues with service and severe mouth issues! I called care credit 9 times and did chats and disputes! On first dispute I was promised the full refund check of XXXX with a representative and said check would come in XXXX days that she correct error! She closed my dispute after the call! No check came and account never corrected! Ever customer service worker after thats has been rude and refused to file new disputes! Please pull chats and records! I finally file new disputes with copy or emails that XXXX was trying to correct t refund and no resolve

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 2025-05-20 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: TX

Complaint narrative:
I am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

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 2025-05-20 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: TX

Complaint narrative:
I am writing to inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have appeared on my credit report. I have submitted a formal complaint to the Federal Trade Commission, a copy of which is enclosed for your reference. 

It has come to my attention that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that the correspondence was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) explicitly protects every consumers right to seek assistance in exercising their legal rights. The involvement of authorized third-party support does not constitute a lawful basis to delay or deny a valid dispute. 

Please be advised that all communications submitted under my name were prepared with my full knowledge and consentwhether authored directly by me or with the assistance of individuals acting on my behalf. Any failure to timely investigate and correct the disputed information, as required by the FCRA, will be considered a willful violation of my rights under federal law. 

I respectfully request that you process this matter without delay and in full compliance with all applicable legal requirements.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I am submitting this formal complaint regarding the account reported by XXXX  INDIGO with account number ending in XXXX XXXX XXXX XXXX XXXXXXXX. This item is being reported inconsistently and inaccurately across all three credit bureaus, with conflicting dates, balances, and high credit values directly violating Metro 2 compliance standards and the XXXX 's XXXX format rules. 

I have requested proper validation and a Metro 2compliant investigation, but the company has failed to provide physically verifiable documentation that proves the accounts accuracy under the standard. 

The most recent reporting includes inconsistencies in Date Last Active and High Credit between bureaus, which indicates that at least one or more tradeline data fields are being reported in violation of the standard. This is considered a deviation under the XXXX XXXX and should be removed if unverifiable. I have uploaded supporting proof with field-level breakdowns. 

Please investigate and have this item removed if the data can not be confirmed across all systems with accurate and verifiable records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : XXXX XXXX Account Reported as Verified Despite Lack of Validation Statement : I am filing a complaint against [ XXXX XXXX Equifax XXXX XXXX XXXX for continuing to report an unverified account from XXXX XXXX ( Account # ending in XXXX ) on my credit file. 

I received a written letter from XXXX XXXX stating they can not validate or verify this account. Despite submitting this documentation to the credit bureau, they continue to report the account as accurate. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which requires deletion of any information that can not be verified.

I am requesting the CFPB investigate this matter and require the bureau to permanently delete the account from my credit report. 

Personal Info : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : XX/XX/year> Last 4 of SSN : XXXX Phone : [ Insert ] Email : [ Insert ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

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
Consumer complaint received 2025-05-20 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I discovered that Navy Federal is being reported twice on my XXXX  credit report under two separate entries, both referring to the same credit card account ending in XXXX. These duplicate listings contain conflicting or inconsistent information regarding payment history, account status, and/or balances. 

On [ insert approximate date you noticed the issue ], I filed a formal dispute with XXXX  requesting an investigation and correction of this duplicate reporting. I explained that the two entries refer to the same account and that the inconsistency could negatively impact my credit score.

Despite providing supporting documentation and a clear explanation, no meaningful correction has been made. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. 

I am requesting that the duplicate entry be removed or consolidated, and that my credit report be corrected to reflect a single, accurate account. This is necessary to prevent further damage to my credit profile and ensure fair representation of my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NY

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I am disputing the accuracy and compliance of how FEB DESTINY account ending in XXXX is being reported across the credit bureaus. Specifically : The Date Last Active and Payment Status are inconsistent across XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX formatting rules. 

High Balance is being reported as {$0.00} on one bureau and {$890.00} on another, which is not factually consistent.

The account shows Late 60 Days even though payments were made and no proper validation has been provided. 

As of XX/XX/year>, the account was showing multiple conflicting data points across the bureaus, which makes it unverifiable, inaccurate, and not certifiably compliant. 

Under FCRA 609 ( a ), I requested validation including the full method of verification, payment history, and proof of XXXX XXXX compliance, and the company failed to provide this. These inconsistencies have harmed my credit score and do not meet the standard for accurate or verifiable credit reporting.

Ive attempted resolution with the bureaus directly. This item is now being escalated due to non-compliance and harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX. The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MS

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 XXXX XXXX XXXX. 

XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 2025-02-27 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: CO

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Colorado, XXXX Dear Pro Collect, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 


Sincerely, 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