vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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 formally disputing inaccurate and undocumented information found in my credit report. This includes unverified personal data, unauthorized inquiries, and derogatory account entries. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Metro 2 Compliance Guidelines outlined in the 2020 Consumer Data Industry Association Resource Guide ( CRRG ), I demand a full reinvestigation. 

This dispute specifically challenges the following : Incorrect Personal Information : Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Name : XXXX, XXXX, XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Employer : XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX Account Reporting Inaccuracies : XXXX XXXX XXXX The FCRA requires that all information must be verifiable, accurate, and complete. You are also required to follow Metro 2 reporting standards. If you can not provide documented and verifiable evidence for each of the above entriesincluding proof of permissible purpose for inquiries and compliance with data field standardsI demand immediate deletion. 

Furthermore, I am aware of common practices in which credit bureaus respond to disputes using template letters without properly addressing the specifics of each consumer 's case. This violates FCRA 1681i, which mandates an individualized investigation of every dispute. Let it be known that I personally authored and submitted this letter, and your failure to process this correctly will be deemed willful noncompliance. 

You are hereby required to : Reinvestigate each disputed item listed above. 

Provide physical documentation validating each claim. 

Delete any unverifiable or inaccurate information. 

Send an updated copy of my credit report reflecting the results of your investigation. 

If you fail to comply, I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
The company is Synchrony Bank, I had never missed a payment until three major life events happened last year. Grandmother died, her house got broken into an robbed while we were at the gravesite burying her, and then my mother got diagnosed with stage XXXX XXXX XXXX a few days before her birthday. Anyone one of these events separate could have sent the average Neuro Typical person spiraling, being XXXX XXXX all three at once and my mind going down different rabbit holes lead me to become homeless and living in my car since XXXX of 2024. 
They started out sending a letter now and then, then it became more frequent what felt like every other day. They also during the same time period were sending texts, and emails, and calling. They started calling from the XXXX, with a call back number of XXXX, and XXXX. They have called from so many different numbers, so many times, that my phone now auto screens an doesn't show when they call. They also call and leave automated voicemails so often that I have to check it every day so its not full. I have received multiple calls within a few hours of each other multiple days in a row. Its hard to know 100 % how many times they have contacted me in a week due to them being auto screened and using different numbers, and contacting via us postal mail, email, and text message. 
My phone hasn't been showing voicemail alerts and due to the large number of repeated automated calls I have missed calls about potential jobs, from medical and homeless support caseworkers. They're not as bad as XXXX they have did the same with over 80 calls on two different numbers. But that's another issue. It seems like they're trying to use multiple numbers to try an slip by the 7 times in 7 days rule as a loop hole, or sending a email and then a text and then constant calling. Any form of contact should be the same I didn't see an option to select calls, texts, letters, and emails.

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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
, Company : I.Q. Data International, Inc.Amount : {$7000.00} originally/ {$4400.00} confirmed by apartmentType of Complaint : Debt collection false statements or representation, harassment, improper communication What happened : IQ Data International has continued to harass and intimidate me while attempting to collect a debt for a former apartment I lived in. The original amount they claimed was {$7000.00}, but after I contacted the apartment manager directly, I received written confirmation that the actual balance owed is {$4400.00}. I have already paid {$2800.00} toward this balance through IQ Data. 
I have repeatedly requested written validation of the debt. IQ Data refused, told me that I must send a letter ( not true under FDCPA ), and continued to attempt to collect without providing documentation. Their agents have yelled at me on the phone, refused to let me speak to a supervisor, told me I was " in over my head, '' that they " wont be working with me in good faith, '' and mocked me when I said I was working directly with the apartment. One representative also told me Id be " dealing with a random receptionist '' if I didnt go through them another intimidation tactic. 
They misrepresented my words by saying I refused to pay ( I did not Ive paid {$2800.00} already ), pressured me to make payment plans without written terms, and continue to call despite my written request that all communication be in writing only. 
This company has repeatedly violated the Fair Debt Collection Practices Act : * 1692g : refusing to provide written debt validation * 1692c ( c ) : continued calls after a written request for written-only communication * 1692d : abusive and harassing behavior ( mocking, yelling, intimidation ) * 1692e : misrepresenting facts and threatening credit damage I am asking that : 1. IQ Data cease all verbal contact and provide written documentation immediately 2. The balance reflects the correct amount confirmed by the apartment 3. The account be marked as settled in full upon completion of payment 4. All further collection efforts stop unless in full legal compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Per Transunion, Equifax, and Experian, the XXXXXXXX XXXX XXXXXXXX is the Data Furnisher for an alleged bankruptcy that is located on my credit report and public records. Per these, the bureaus verified this information and received it from the court. Per the XXXXXXXX XXXX XXXXXXXX, the credit bureaus did not verify any information with the Court. I would like the derogatory information to be removed from my credit file immediately.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Per Transunion, Equifax, and Experian, the XXXXXXXX XXXX XXXXXXXX is the Data Furnisher for an alleged bankruptcy that is located on my credit report and public records. Per these, the bureaus verified this information and received it from the court. Per the XXXXXXXX XXXX XXXXXXXX, the credit bureaus did not verify any information with the Court. I would like the derogatory information to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX i submitted the mortgage assistance application via email and i also received a confirmation email that it was received and to call back in 30 to 45 days for an answer. I called 2 days ago and spoke with XXXX agent id # XXXX he said the review was active to call back tomorrow to speak to the foreclosure department. I called today and spoke with another agent he said he did not see anything and that the foreclosure was still active. I told him to please check the notes he saw XXXX notes but only to cover his tracks. I took it like that. I stated to him that i would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report three fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX  with a balance of {$5600.00}, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX with a balance of {$6700.00}, and a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX  with a balance of {$2500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing my TransUnion credit report and notice inquiries that are fraudulent. 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 2025-06-25 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: CT

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-25 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: MS

Complaint narrative:
Im in disagreement with the accounts listed below which still appear on my Equifax credit report, even after your previous investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Accounts in Question : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX  XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I am requesting that you provide the names and business addresses of each individual with whom you verified the information in question. Please also send me an updated copy of my credit report after your reinvestigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of a fraudulent transaction in which a scammer gained access to my bank account and transferred a significant amount of money out of my account. I immediately reported the fraud to Bank of America on XX/XX/year>. Despite providing details and expressing urgency, the bank closed my fraud case without offering a resolution, refund, or proper investigation. This money was critical for my education, and losing it has caused severe emotional distress, disrupted my academic plans, and worsened my mental health. I believe Bank of America failed to protect my account, respond appropriately, and fulfill its duty to investigate unauthorized activity in a timely and fair manner.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
XX/XX/XXXX :XX/XX/XXXX directly reported on my Credit a collection of {$970.00}. 
This collection was on behalf of XXXXXX/XX/XXXXXXXX XXXX apartment. 
I had an email confirmation from the Property Manager at XXXXXX/XX/XXXXXXXX XXXX that " Issue was resolved and they had actually sent me a refund check. '' I did not owe any debt to XXXXXX/XX/XXXXXXXX XXXX. 

XX/XX/XXXX : I spoke with an agent from XX/XX/XXXXand they asked me to email the dispute. I sent them the dispute email with all the supporting documents. 

XX/XX/XXXX : I have received the email from the Property Manager that all the issues were resolved and they sent me a refund check. Around this time, the apartment complex had a change of management and I fear that this error was a result of transition in the management. 

With repeated follow up with XX/XX/XXXX, they have still not resolved this matter. This collection on my Credit Report impacted my credit score significantly and my ability to use my credit cards or even look to rent an apartment. 

I'd like CFPB to help with this and take it up with XXXX and/or XXXXXX/XX/XXXX XXXX XXXX to resolve this matter asap. This has impacted my credit score significantly and it needs to go away ASAP. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREENSKY OPERATIONS, LLC
State: MN

Complaint narrative:
The narrative of this complaint is best explained in the attached contract I signed with a XXXX the project. When I started getting invoice from Greensky, I raised alarm and immediately alerted Greensky that I do not have a loan with them. I provided a copy of my contract to them but they kept sending those to me. See attached FRAUDULENT REPORT FOR DETAIL. The FRAUDULENT Company is now out of Business and Greensky posted a delinquent debt statement to my credit report. See attached fillings and reports for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief