vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute. 
4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-05-23 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing a debt that Synchrony Bank is reporting to the credit bureaus related to a Sams Club Mastercard account. I never received full debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), and they have not provided a signed application or agreement bearing my signature proving I authorized this account. 

Instead of proper validation, they sent billing statements, which do not constitute legal proof of debt. Despite my requests, no signed contract or documentation showing I agreed to the terms of the credit has been produced. 

Additionally, Synchrony issued a 1099-C form on XX/XX/XXXX, which legally cancels or forgives the debt. Reporting a charged-off balance or continuing to report this as a valid debt after issuing a 1099-C is misleading, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ). 

The account was allegedly charged off on XX/XX/XXXX, and multiple collection actions were taken without proper notice or communication to me. I never received their prior correspondence or notice of their intent to report the account, as required by law. 

Given these failuresincluding lack of validation, improper notice, and reporting a canceled debtI am requesting that the CFPB direct Synchrony Bank to immediately delete this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX ). The continued reporting of this account is damaging, inaccurate, and unlawful.

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 2025-05-23 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: CA

Complaint narrative:
Equifax is reporting a late payment for XXXX ( account ending in XXXX ) with a delinquency date of XXXXXX/XX/year>, despite the balance and past due amount being listed as {$0.00}. This reporting is inherently contradictory and misleading, as it implies delinquency where there is no financial obligation remaining. The presence of this account as a derogatory item is harming my credit profile and is inconsistent with the actual status of the account. Equifaxs decision to maintain a late payment designation in the absence of any due amount reflects a failure to maintain maximum possible accuracy. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. This inaccurate reporting is unacceptable and must be addressed without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
Subject : Request for Debt Validation Under the Fair Debt Collection Practices Act To Whom It May Concern I am writing to formally request validation of the debt referenced in your recent communication dated [ insert date of the debt collector 's letter ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires you to provide specific information about the debt in question. 

Please be advised that I dispute the validity of this debt and seek the following information : 1. * * The amount of the debt * * : Please provide a detailed breakdown of the total amount you claim I owe, including any fees, interest, or other charges that have been added.

2. * * The original creditor 's name * * : Identify the original creditor and provide documentation that shows I am responsible for this debt.

3. * * Proof of assignment * * : If you are not the original creditor, please provide documentation that demonstrates you have the legal right to collect this debt, including the original account agreement or a bill of sale.

4. * * Payment history * * : Provide a complete account of all transactions, payments, and any adjustments made to the account, including dates of late payments. 

5. * * Verification of the debt * * : I request a copy of the original contract or agreement that supports your claim. 

In accordance with the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request will compel me to report your non-compliance to the Consumer Financial Protection Bureau ( CFPB ) and take appropriate legal action to protect my rights. 

Additionally, please be aware that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, any negative information regarding this alleged debt must be accurate and substantiated. If you are unable to validate the debt, I expect you to cease reporting this debt to credit bureaus and to inform them of its invalid status. 

I demand that all future correspondence regarding this matter be conducted in writing. Please send your response to the address listed at the top of this letter. I appreciate your immediate attention to this matter and look forward to your prompt reply within 30 days, as stipulated by federal law. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to Equifax, outlining multiple disputes in regards to my credit report. This was received on XX/XX/year>. Approximately 2 weeks later, I received a letter stating that I needed to submit the account names, numbers and specific concerns with each. My original dispute letter included everything they asked me to submit. On approximately XX/XX/XXXX, I submitted my second dispute letter, again giving all the account names, numbers and specific concerns. I as well included the original letter that had all this information. This letter was received on XX/XX/XXXX. To date, approximately 7 weeks has passed since receipt of my second letter and they have yet to respond or do anything. According to FCRA, they mandate that CRA 's correct or delete inaccurate information within 30 days. It has been well over 30 days and they have yet to respond or correct any of my disputes. I demand that all disputed items listed in both my dispute letters be removed by Equifax immediately. This is a direct violation of FCRA laws. They has well have not provided me with an investigation into my disputes. I again demand that Equifax remove ALL disputed items in my dispute letters. Both my dispute letters are in one file attached. Proof of receipt by Equifax for both letters is attached as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of breach of my personal information. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and noticed a lot of inaccuracies and improper use of my credit report. The inaccuracies have been detrimental to my financial well-being. I sent a letter to the credit bureau 's back in XX/XX/year> but did not receive a response, so I sent another letter by certified mail in XX/XX/year>.

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 2025-05-23 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:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-23 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: CA

Complaint narrative:
Experian is currently reporting a charge-off from XXXX with a balance of {$5600.00} under account number ending in XXXX. This account has been added to my report without providing any legally sufficient documentation verifying its accuracy or legitimacy. I have not been given original creditor documents, contracts, or billing statements proving that I am financially responsible for this alleged debt. Furthermore, I am concerned that this item may have been reported in error due to outdated, incomplete, or breached data that was never properly verified prior to publication.

Under the Fair Credit Reporting Act, Experian is bound by 15 U.S.C. 1681i, which mandates that a reinvestigation be conducted upon dispute. The process must include direct verification with the furnisher and a full review of original documentation. Reporting a charge-off of this magnitude without verifying its legal accuracy is grossly negligent. The consumer protections provided by federal law are in place to ensure that credit bureaus report only fair and accurate information, and this account falls short of that legal threshold.

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 2025-05-23 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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

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 2025-05-23 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: NC

Complaint narrative:
I am filing this complaint because a XXXXXXXX XXXX XXXX account ( ending in XXXX ) appears on my credit report, but I have written documentation from XXXX stating that the account was closed because they were unable to verify my personal information. In a notice dated XX/XX/year>, XXXX wrote : We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor. This confirms that XXXX could not verify the account as mine. Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item of information that can not be verified must be deleted from a consumers credit file. I disputed the account with Trans Union and included this letter from XXXX, but Transunion refused to delete it, stating that they must report what XXXX provideseven though the data furnisher admitted they can not verify the account. This is a direct violation of federal law. I am requesting that the CFPB compel Trans Union to delete this unverifiable account from my credit report and ensure that XXXX updates their reporting accordingly.

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 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
My credit report contains incorrect personal information and now show accounts Ive never opened. Ive been a victim of identity theft, and my details were used without permission. I filed an FTC Identity Theft Report and submitted it to Experian as instructed, yet the fraudulent items are still showing.

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