vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I previously disputed the XXXX XXXX XXXX XXXXXXXX XXXX XXXX account, and it was deleted from my credit report on XX/XX/year> due to fraudulent activity. 

Under the FCRA, once a deleted account is reinvestigated and removed, the credit bureau can not reinsert the information unless : The furnisher certifies the accuracy of the account, The bureau performs a full reinvestigation, and The consumer receives written notice of the reinsertion within 5 business days ( FCRA 611 ( a ) ( 5 ) ( B ) ).

None of these required steps occurred. 

On XX/XX/year>, the deleted account was reinserted without my knowledge or consent and without any notice from the credit bureau. The bureau also added the statement : Account information disputed by consumer, meets FCRA requirements. 

This is incorrect and misleading. 
The account was already determined to be fraudulent and should not have been reinserted at all. 

The bureau failed to : Provide the required certification, Provide the required reinsertion notice, Protect my file from re-reporting fraudulent information. 

This reinsertion violates FCRA reinsertion rules and has caused harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I previously disputed the XXXX XXXX XXXX XXXXXXXX XXXX XXXX account, and it was deleted from my credit report on XX/XX/year> due to fraudulent activity. 

Under the FCRA, once a deleted account is reinvestigated and removed, the credit bureau can not reinsert the information unless : The furnisher certifies the accuracy of the account, The bureau performs a full reinvestigation, and The consumer receives written notice of the reinsertion within 5 business days ( FCRA 611 ( a ) ( 5 ) ( B ) ).

None of these required steps occurred. 

On XX/XX/year>, the deleted account was reinserted without my knowledge or consent and without any notice from the credit bureau. The bureau also added the statement : Account information disputed by consumer, meets FCRA requirements. 

This is incorrect and misleading. 
The account was already determined to be fraudulent and should not have been reinserted at all. 

The bureau failed to : Provide the required certification, Provide the required reinsertion notice, Protect my file from re-reporting fraudulent information. 

This reinsertion violates FCRA reinsertion rules and has caused harm to my credit profile.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Capital Accounts, LLC
State: LA

Complaint narrative:
Back in XX/XX/year>, I used my credit card at a gas station and since then ive been noticing fraudulent charges on my account. Which has been negatively impacting my score

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Nav Technologies, Inc.
State: CA

Complaint narrative:
Suddenly, XXXX XXXX XXXX froze my account without providing any notice or reason. I immediately jumped into the support chat. The representative told me the freeze was due to a lack of an active subscription, but they said I could call in to be allowed to use the free plan. 

When I called, I spoke with a support representative named XXXX, who stated they would send me an email with a verification link. It has now been XXXX weeks, and I have received no email from XXXX, despite sending several follow-up emails from both my professional address and the one they have on file. 

Therefore, yesterday, XX/XX/XXXX, I subscribed, hoping this would resolve the freeze, but it did not ; the account remains frozen. 

I am here to request that you look into this and take the following steps : Cancel my recent subscription. 

Refund the payment back to my original payment method. 

Close the account entirely. 

Send my remaining balance to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I closed my account in the beginning of this year with a balance of XXXX. 

After closing it it didn't actually close and a fee of XXXX dollars was added. Then it added interest to it every month and I only found out when my credit was affected. 

So I called up and explained the situation in XXXX. Paid the XXXX dollars even though I shouldn't have and was told that was the end of this. 


Fast forward to now and it has happened again

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 monetary relief
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-11-26 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: AR

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-11-26 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: WA

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 2025-11-26 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:
I am writing to formally dispute the listed accounts, which are not associated with me and were not authorized. Please remove them and complete a review. Documentation is enclosed.

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 2025-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I received a letter about a small debt I owed from XX/XX/XXXX. This letter was postmarked XX/XX/XXXX. The letter was addressed to my wife with no information about who the debt was for. Due to this debt not being for my wife, I could not log on to their online payment services as it requires a reference number and date of birth or last XXXX digits of a social security number. These did not work to bring up the account as the debt was in the name of our daughter. Upon trying to contact the company by phone, XXXX XXXX XXXX XXXX, I was disconnected automatically after XXXX minutes of going through their prompts which sounded as if they were not functional ( repeated messages saying " you will be placed on hold '' with no indication of ever being placed on hold and then being transferred to other prompts ). Once I finally was connected after XXXX disconnected phone calls, the initial representative was helpful and asked me to pass along my concerns to a supervisor. Upon connecting with the supervisor, the call was disconnected again. 

What makes this more frustrating is that I wasn't aware that I owed this debt. I do not recall ever getting a notification it was due, and it was for an amount of {$31.00}. Not something I would have delayed paying if I ever received the bill. This whole thing made me concerned because of the possible ramifications of debt collection. All of this to say, I am frustrated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX and with BC services , inc . Figure it out.

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 2025-11-26 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: MI

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-11-26 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against all three credit bureaus for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have submitted XXXX disputesone on XX/XX/XXXX and another on XXXX XXXX I have not received a single piece of verification for ANY of the negative items I disputed. 
Instead of investigating, all XXXX  bureaus have sent me stall letters stating : That I am working with a XXXX  party ( which is false ) That I am claiming identity theft ( which is also false ) These statements are inaccurate, misleading, and appear to be an attempt to avoid conducting a lawful investigation. 
Under FCRA 611, the credit bureaus are required to perform a reasonable investigation and provide verification of each disputed item. Under Metro 2, all accounts must be accurate, complete, and fully verifiable. 
Despite this, all XXXX  bureaus have marked my accounts as verified without providing any verification at all. 
If an account is verified, the bureaus must be able to provide : The original contract Complete payment history Proof from the furnisher Documentation validating ownership of the debt The exact information used to confirm accuracy I requested verification for each disputed item and received NONE. 
Marking items as verified without verifying them is a direct violation of FCRA, Metro 2, and CFPB guidelines. Sending stall letters instead of conducting the legally required investigation is also a violation. 
I am requesting the CFPB to require that : All XXXX  bureaus complete a lawful investigation ; Provide actual verification for each negative item ; Remove any item they can not legally verify ; Cease sending stall letters falsely claiming third-party involvement ; Correct all violations under FCRA 607 ( b ), 611, and Metro 2 compliance standards. 
I am the XXXX filing these disputes. I am not working with a XXXX  party. I have not claimed identity theft. I am simply requesting that the credit bureaus follow federal law and provide proof for the items they have labeled as verified without justification. 
I need this matter fully investigated and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
I am filing this complaint against Stillman Law Office for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

VIOLATIONS IDENTIFIED : FDCPA 1692g ( a ) VIOLATION - Failure to provide debt validation notice FDCPA 1692g ( b ) VIOLATION - Continued collection without validation FDCPA 1692e ( 8 ) VIOLATION - Reporting unvalidated debt as verified FCRA 1681s-2 ( b ) VIOLATION - Furnishing inaccurate information XXXX XXXX  COMPLIANCE VIOLATIONS- Illegal use of Status Code XXXX XXXX XXXX SPECIFIC ISSUES : Stillman Law Office has never provided proper debt validation as required by law They are reporting unvalidated debt to credit bureaus as " verified '' They continued collection activities without providing validation The debt is disputed and they can not prove its validity They may be operating without proper state licensing EVIDENCE PROVIDED : Certified mail receipt showing debt validation demand Credit reports showing illegal reporting XXXX  screenshots showing licensing status ( if unlicensed ) Complete correspondence history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name XXXX XXXX Account Number XXXX XXXX Reported Late Payments XXXX XXXXXX/XX/year> Account in Question : Creditor Name XXXX XXXX XXXX  Account Number XXXX XXXXXXXX Reported Late Payments XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 XXXX  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. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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