vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. This recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-12-04 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: IL

Complaint narrative:
I hereby issue formal notice disputing the referenced accounts. I do not recognize them nor authorize their establishment. I request review and deletion. Documentation is attached for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Credence Resource Management reported a collection account on my credit report without providing any validation. 
I have never received proof I owe this debt, no original creditor information, and no contract or statement. 
They refuse to validate the debt when contacted. 
This violates the FDCPA and FCRA. 
I am requesting immediate deletion of this unvalidated collection from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-04 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: CO

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : 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 XXXXXX/XX/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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The collection agency, XXXX, XXXX XXXX XXXX, particularly XXXX XXXX XXXX, in XXXX, NJ, continually files court motions to collect a debt. This despite the fact that they are aware that all of my income is federal XXXX, VA XXXX, XXXX XXXX XXXX XXXX prior motions were dismissed in court. This doesn't stop them from filing motion after motion ; I also believe the debt is past the statute of limitation.

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 2025-12-04 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DLC, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt with a delinquency date of XX/XX/XXXX. This information is inaccurate. I moved out of Nevada in XX/XX/XXXX, over a year before this alleged debt began. I have attached my lease showing my move-out date as proof. I could not have incurred any debt in Nevada after XX/XX/XXXX. 

I disputed this information with XXXX, but they marked the item as previously verified without providing documentation or addressing the incorrect date. The company has not supplied evidence showing the original Date of First Delinquency ( DOFD ) or proof that I owed this debt while living in Nevada. 

Because the reported date is impossible based on when I lived in the state, this appears to be inaccurate reporting or improper re-aging of the account, which violates the Fair Credit Reporting Act ( FCRA ), including Section 623 ( a ) ( 5 ).

I am requesting that the company provide : Proof of the original DOFD reported by the original creditor, Documentation showing I resided in Nevada at the time of the alleged debt ( I did not ), and Validation that the reporting is accurate and compliant with the FCRA. 

If the company can not provide proper validation, I am requesting that this account be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
FCRA Violations Identified : 1681e ( b ) : Contradictory reporting ( charge-off vs. {$0.00} balance ).

1681i ( a ) : Inadequate reinvestigation and no supporting documents.

623 ( a ) : Furnishing stale, incomplete, and unverifiable data ( no updates since XXXX ).

609 : Failure to provide verification documentation upon request.

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 2025-12-04 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: PA

Complaint narrative:
i am a victim of identity theft. these accounts do not belong to me. I have been a victim of a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
i am a victim of identity theft. these accounts do not belong to me. I have been a victim of a data breach.

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 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: GA

Complaint narrative:
I received a notice via email from TekCollect company regarding the collection of a debt they believe I have with XXXX. Although I entered into an agreement with XXXX back in XXXX of XXXX, I never received any of the benefit of the services that they said they would provide. I got locked out of my account and was unable to access any of my records as well as not receiving the remaining benefit of service they were supposed to provide. I was provided one retainer, which was not sufficient to fix what they said they it would, and paid them {$150.00}. After getting locked out of my account, I ended up using a different company for the services I did not receive with XXXX. On XX/XX/XXXX I received an email about XXXX filing XXXX XXXX Bankruptcy. It wasn't until XXXX  that I began receiving notices about a past due account, one in which I never received the benefit of the service. XXXX had a 100 % satisfaction guarantee and being that I was locked out of my account and unable to get any additional retainers, I don't believe this debt it owed. I submitted a dispute to TekCollect on XX/XX/XXXX in which I explained the above scenario to them. The solution they provided on XX/XX/XXXXXXXX  was a 25 % reduction in the payment amount. This does not seem like a fair solution to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because my federal student loan servicer/guarantor has illegally furnished my protected educational records to the consumer reporting agencies without my knowledge, authorization, or consent. These entities have knowingly violated FERPA, the Privacy Act of 1974, and the Fair Credit Reporting Act ( FCRA ) by reporting information they had no legal right to disclose or collect. 

The accounts that were unlawfully furnished are listed below : XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX These student loan records are legally classified as educational records under FERPA. This means they can not be disclosed to any credit reporting agency under any circumstance unless I provide explicit written consent. I have never signed or submitted any document, authorization, consent form, or release that permits my lender, servicer, guarantor, or any third party to share my student loan or financial aid information with any consumer reporting agency. 

The servicer also violated the Privacy Act of 1974, which strictly prohibits federal agencies and their servicers from disclosing my personal information unless a valid exception applies. No exception exists here. Credit reporting is not an authorized disclosure under FERPA for Title IV financial aid records.

Despite this, my protected educational data was willfully furnished to XXXX, Equifax, and XXXX, creating an unlawful publication of my educational record and a direct breach of federal privacy laws. 

Because these accounts were furnished without a permissible purpose, the credit bureaus are now reporting accounts that are illegally obtained, illegally furnished, and illegally maintained. This is a violation of : 20 U.S.C. 1232g ( FERPA ) 5 U.S.C. 552a ( Privacy Act of 1974 ) 15 U.S.C. 1681b & 1681c-2 ( FCRA permissible purpose & blocking ) 15 U.S.C. 1681n & 1681o ( civil liability for willful and negligent violations ) I have demanded that the credit bureaus delete these illegally furnished accounts, but they continue reporting them despite being notified of the FERPA and Privacy Act violations. This indicates potential willful noncompliance and intentional disregard of federal law. 

I am requesting that the CFPB take immediate action to investigate : Why my servicer furnished protected FERPA-regulated educational records to credit bureaus without any legal authority. 

Why a federal servicer or guarantor knowingly violated the Privacy Act of 1974. 

Why these accounts are still being reported despite no permissible purpose for their collection, use, or dissemination. 

The removal of all accounts listed above due to their unlawful disclosure and violation of federal privacy regulations. 

Whether the servicer and bureaus should face sanctions for willful violations of FERPA, the Privacy Act, and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: OH

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-04 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 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: TX

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding BMW Financial Services failure to credit a {$2000.00} payment that was withdrawn from my bank account on XX/XX/year>. The payment was processed by my bank, but BMW Financial Services has not applied it to my auto loan account. 

I have provided BMW Financial Services the check number and trace number on XX/XX/year>XXXX  and then with supporting documentationincluding an image of the processed check and my XX/XX/year> Chase bank statement on XX/XX/year>. These documents show the account number, check number, company name, settlement date, and trace number, clearly confirming the payment was completed. 

I contacted BMW Financial Services 5 times by phone on the following dates and times : XX/XX/year> at XXXX XXXX ( PST ) XX/XX/year> at XXXX XXXX  ( PST ) XX/XX/year> at XXXX XXXX  ( PST ) XX/XX/year> at XXXX XXXX  ( PST ) XX/XX/year> at XXXX XXXX  ( PST ) Despite repeated outreach and documented proof, the payment remains unapplied and the BMW customer support agent provides different responses and assurances each time I call for assistance. 

Because of this failure, interest is accruing and I am at risk of negative credit reporting for a balance that should already reflect the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
The credit report shows on-time payments for XXXX and XX/XX/XXXX, which according to the creditor, were never made. Additionally, the report shows consecutive 30-day late payments during XXXX, which are incorrect and inconsistent. I have submitted documentation from the creditor through the CFPB showing these discrepancies. I am requesting a full investigation of these items under the Fair Credit Reporting Act ( FCRA ) to ensure the information on my credit report is accurate.

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