vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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 filing this complaint because TransUnion is currently reporting late payments on XXXX accounts from XXXX, with account numbers ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The first account was opened on XX/XX/XXXX, and the second on XX/XX/XXXX. Both accounts are now marked as closed or paid with a XXXX balance. Despite these accounts being closed and carrying no remaining debt, they are still reported with derogatory late payment notations, which continues to negatively affect my credit profile. I find this reporting misleading and unfair. If the accounts have been closed in good standing or paid in full, then continuing to reflect late payments without context or resolution status misrepresents my financial behavior and creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), TransUnion is obligated to maintain procedures that ensure the maximum possible accuracy of the information it includes in consumer credit files. Reporting late payments alongside a {$0.00} balance on closed accounts creates confusion and implies that I am still delinquent or have unresolved obligations, which is not the case. The reporting fails to distinguish between an account that was once late and one that was fully resolved and paid, which has a substantial impact on how lenders and creditors evaluate my file. These outdated derogatory marks are not a fair reflection of my current financial standing and have already contributed to credit denials and unfavorable lending terms.

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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to document a series of events regarding a debt collection matter involving XXXX XXXX XXXX. 

On or about XX/XX/year> and XX/XX/year>, I attempted to contact XXXX XXXX XXXX by telephone on three separate occasions, as instructed in the initial correspondence I received. The purpose of these calls was to dispute the validity of the alleged debt, with which I am unfamiliar. After receiving no response or return call, I subsequently submitted an online dispute form on XX/XX/year>. 

In that submission, I formally disputed the validity of the debt and expressly invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., requesting that all future communications be made in writing and that no further verbal communications be initiated. I also requested that XXXX XXXX XXXX provide proper validation of the alleged debt pursuant to the FDCPA. 

Despite this clear written request, on XX/XX/year>, at approximately XXXX XXXX., I received a telephone call from a representative of XXXX XXXX XXXX, who stated that the call was an attempt to collect a debt. I informed the representative that I had previously submitted a formal written request that all communications be in writing and that no verbal contact should be made. The representative disregarded this request and continued to press me to confirm whether the debt was mine. I reiterated my request that all communications be conducted in writing and ended the call, as I believe this phone call constituted a violation of my rights under the FDCPA. 

Furthermore, during the call, the representatives demeanor was aggressive and unprofessional, repeatedly insisting that I verify the debt despite my prior dispute and written communication request. Following this incident, I submitted the online dispute form a second time, explicitly stating that this constituted a second request to cease verbal communication and to provide debt validation pursuant to the FDCPA. 

This letter serves as a formal record of these occurrences and my continued assertion of my rights under federal law.

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 2025-06-13 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX 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 2025-06-13 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: DriveTime
State: FL

Complaint narrative:
Reference Previous Complaint XXXX XXXXXXXX ( Closed XX/XX/year> ) I am resubmitting this complaint because my original issue was not addressed properly. My prior complaint involved fraud and forgery by DriveTime/XXXX. The company provided a generic response claiming that I electronically signed the documents without addressing my primary allegation : that my physical signature and initials were forged on the dealerships sales contract. 

I did not dispute that I agreed to electronic contracting I am disputing that the version of the contract DriveTime now presents is valid or authentic. I have physical proof showing mismatched signature pages, forged initials, and altered terms that I never consented to. This constitutes contract fraud and document forgery, which violates consumer protection laws. 

My requests in the prior complaint were : Investigation into the signature discrepancies. 

Validation or authentication of the physical signatures ( forensic review ). 

Correction or voiding of the account based on fraudulent documentation. 

Removal of any harmful credit reporting associated with the fraudulent account. 

None of those issues were addressed. Instead, DriveTime claimed the call we had ended amicably, which is irrelevant to the legal concern of forgery and does not absolve the company of wrongdoing. I am preparing to file a civil lawsuit for fraud, and I request that the CFPB assist in investigating the validity of these forged contract pages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened an account in XX/XX/XXXX with XXXX/Comenity. I was supposed to receive a welcome packet with all account details that would allow me access to my account to log onto portal and make payments. No welcome packet was received. I attempted to call customer service and I was informed that I needed my account number that would have been in my welcome packet and that since my account had not been activated via account number they could not look me up any other way for payment. Every month I would receive a call from an unknown/blocked number stating they were with XXXX for payment. I would make payment and again request my welcome packet. In XXXX I received no call for payment. When I tried to call the customer service I was told that without my account number they could not assist. The following month XXXX marked my account for late payment in XXXX even though they still had not provided me with necessary documentation to access my account. I did not receive the initial welcome packet until XXXX. I have requested XXXXComenity to correct with them refusing. My last request was sent in XX/XX/XXXX asking them to remove the late payment remark. They denied then they closed my account in XX/XX/XXXX without notice even though I had been actively using the card but had a {$0.00} balance at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Whon It XXXX Concern EquifaXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Address ( es ) on Credit Report Dear [ Equifax / Experian / TransUnion ], I am writing to dispute one or more addresses listed on my credit report that are not associated with me. These addresses are incorrect and do not reflect my residential history. I request that you investigate and remove them from my credit file as required under the Fair Credit Reporting Act ( FCRA ). 

Incorrect Address ( es ) to Be Removed : 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 XXXXXXXX These addresses are unfamiliar and XXXX have been added in error or as a result of identity theft. I have never lived at these locations and have no connection to them. 


Enclosed are copies of documents to verify my identity and current address : A copy of my government-issued photo ID A recent utility bill or bank statement showing my current address ( Optional ) A copy of a lease agreement or mortgage statement Please investigate this matter and provide written confirmation that the inaccurate address ( es ) have been removed. I also request an updated copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. 

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
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Whon It XXXX Concern EquifaXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Address ( es ) on Credit Report Dear [ Equifax / Experian / TransUnion ], I am writing to dispute one or more addresses listed on my credit report that are not associated with me. These addresses are incorrect and do not reflect my residential history. I request that you investigate and remove them from my credit file as required under the Fair Credit Reporting Act ( FCRA ). 

Incorrect Address ( es ) to Be Removed : 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 XXXXXXXX These addresses are unfamiliar and XXXX have been added in error or as a result of identity theft. I have never lived at these locations and have no connection to them. 


Enclosed are copies of documents to verify my identity and current address : A copy of my government-issued photo ID A recent utility bill or bank statement showing my current address ( Optional ) A copy of a lease agreement or mortgage statement Please investigate this matter and provide written confirmation that the inaccurate address ( es ) have been removed. I also request an updated copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I paid off the debt in full to the law firm that XXXX XXXX sent my collection to. Its still showing on my bank account as debt owed and in litigations. It also shows unpaid on my XXXX XXXX  Ive tried resolving this issue with XXXX XXXX for about XXXX XXXX. They keep telling me to contact the law firm. Ive contacted the law firm and theyve told me that theyve provided XXXX XXXX with the letter of satisfaction stating that my account was paid in full. This issue is now causing me to be denied for buying a home or car.

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 2025-06-13 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TN

Complaint narrative:
XXXX XXXX account is closed but is reporting inconsistent and inaccurate status updates. XXXX month shows Paid/Never Late or good standing while others reflect late/delinquent statuses along under collection. Please investigate and correct or delete per FCRA 15 USC 1681i. I also filed a FTC report on 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 2025-06-13 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: NY

Complaint narrative:
i sent transunion, equifax, and experian letters on XXXX XXXX disputing the inaccurate information they are reporting on my credit report, it has been past the 30 days required by the fcra to respond. It is a violation of 15 usc 1681i, 15 usc 1681n, and 15 usc 1681o. I sent a 2nd round of letters on XXXX to all 3 agencies and they haven't responded yet. i am requesting that the inaccurate information be deleted from my credit report ASAP or i will move to 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I sent three different debt validation letters for the company National Credit Adjusters LLC to verify that I owe them a debt. I asked them to provide me with documentation with my signature that I indeed owe them any debt. I stated in all three of my letters, " I demand that you show proof that I signed documentation stating that I owe a debt to National Credit Adjusters , LLC. The documentation that you provided me does not state your business entity anywhere in the documents nor were there any signatures from your business entity on any of the documents. Also, was any of the documents that you sent verified? If so, please provide me with the details on how you verified this information. I ask that you provide me with proof that you have legal right to collect this debt and complete and provide me with record of payment history of the debt. Lastly, I ask that you provide me with proof of the purchase agreement. '' I also stated, " Again, I demand that you provide me a copy of the actual account general ledger that will show that when my account was opened, you deposited money that you already had in your possession into it for my use as a loan. If you do not provide me with this record within thirty ( 30 ) days, it will operate as your implicit waiver of any and all collection claims against me for this account. '' National Credit Adjusters LLC failed to do so on three different occasions, but yet the collection still remains on my credit report on all three credit bureaus. They recently sent me a letter on XX/XX/scrub>/25 refusing to investigate this matter and stated that the debt collection will stay on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My Navient account was placed in Charged Off status to stop my account from being in default. At the time of my account being settled, I thought I was setting up a payment plan to continue paying into my career training student loan. It did not register until I received the settlement letter that this move is detrimental to my credit report. When calling towards the beginning of the year to get my account out of collection and back in good and regular standing, I was advised that I would need to pay an amount to keep my payments going. So, I made a payment of {$250.00} on XX/XX/XXXX and another payment of {$1700.00} on XX/XX/XXXX of this year. When making the payment on XX/XX/XXXX, I was then set up on a two-year payment plan to pay off the student loan, and was sent a text to confirm the payment dates. Now that I have received further clarity, I understand that my original intent of getting my loans active and in good standing was not accomplished. However, my account being listed as settled and put into " charged off '' status severely impacts my credit, as I am currently under contract for purchasing a house. When understanding that my credit was not reflecting positively after the agreement I made, I called and spoke to XXXX on the XXXX of XXXX. He told me that it generally takes about 45 days for my credit to reflect the changes after my payment on XX/XX/XXXX, and he would send me a letter that I could then send to the credit bureaus to show that the account was charged off which I was told is considered to be good standing. It was upon receiving that letter where I saw that my account was settled and not placed back to the active status as I believed that it would be placed into. With all the above details in mind, I then called back on XX/XX/XXXX, after the 45 days I was told had passed and not seeing any change to my credit. I spoke with XXXX to see what could be done and I was advised, because of the payment plan that I am on, that he would start an inquiry on my current payment plan and credit reporting. XXXX stated that the research would take about a week to complete. I waited a week to hear back and did not receive any follow up. I spoke to XXXX again, and he said that he sent an email internally to ask about my issue. XXXX said that his supervisor said that there as no way to re-open my account and that if I wanted to speak with a supervisor about the concern, then I can send an email. I took the email address and sent them the explanation I am sending to you. I sent two separate emails on both XX/XX/XXXX and XX/XX/XXXX and have not received a response yet. I have called in once more after sending the emails and no one is willing to hear my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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