vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NC

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The late payment remark on my credit report is negatively affecting my XXXX  score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on XXXX  scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am disputing the Synchrony Bank account XXXX XXXXXXXX with a reported balance of {$720.00} that is appearing on all XXXX  credit bureaus. XXXX is reporting inaccurate balances and payment histories, which violates FCRA XXXX ( a ) ( XXXX ) ( A ). 
I request deletion of this tradeline unless XXXX can provide signed contracts and verifiable proof of accuracy. Under XXXX ( a ) and XXXX ( a ) ( XXXX ) ( A ), any unverifiable tradelines must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Robinhood restricted my account from sending crypto currency, stating I breached their crypto user agreement which is false. I have done nothing to breach the agreement and they will not provide me with details about why the restrictions were placed. In the past I have sent my crypto from Robinhood to a private wallet, and back to Robinhood which is within fair use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
They repossessed my vehicle without providing the required XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in violation of my state consumer protection laws. After repossession, I was never provided a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as required under XXXX XXXX and XXXX. When I contacted the creditor for further information, they refused to provide any documentation or explanation, preventing me from exercising my right to redeem the vehicle or understand the amount allegedly owed. 

Additionally, this account is being reported inaccurately to the credit bureaus and without proper documentation, in violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 

I demand a full investigation and the immediate removal of this account from all credit reports due to these violations and the creditors failure to follow lawful procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: Self Financial Inc.
State: FL

Complaint narrative:
I dispute the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting balances and dates XXXX across the bureaus, violating FCRA XXXX ( b ). No documentation proving assignment or ownership has been provided. Under XXXX ( a ) and XXXX ( a ) ( XXXX ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
Was told I could improve and fix my XXXX XXXX by other companies working for XXXX XXXX  they charged me to fix and repair my XXXX XXXX all I wanted was help improving my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I opened a dispute with Experian on XX/XX/year> Disputing the {$20000.00} rental debt and provided the legal executed document showing that the alleged debt was a part of a settlement and release and was NOT a valid debt. Experian opened the dispute sent me a confirmation email stating that they received my information and my dispute was open and it would take them approximately XXXX  days to investigate. I recived another email approximately XXXX hour later stating that they were making progress on my dispute, i received another email approximately an XXXX  after that stating that my dispute results were in and the dispute was completed. I logged into experian and the dispute results stated that the DEBT WAS Verified as valid and would remain on my credit report! Experian did NOT do any XXXX  or validated the debt because if they did the LEGAL EXECUTED DOCUMENT OF THE SETTLEMENT AND RELEASE FROM THE DEFENDANTS LAWYER WITH ALL OF OUR SIGNATURES WOULD HAVE SATISFIED THAT. EXPERIAN AND XXXX XXXX XXXX  HAVE CAUSED ME GREAT PAIN AND SUFFERING AND EMOTIONAL DURESS AND STRESS AND HAS EFFECTED MY LIFE AND LIVING VERY XXXX  AnD MY XXXX XXXX HAS PLUMMETTED AS A RESULT XXXX  THEIR NEGLIGANCE

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am disputing inaccurate and unverifiable information appearing on my credit report. The following accounts are reporting incorrectly : XXXX XXXX Charged-off, balance/date reporting inconsistent with my records. 

XXXX XXXX  XXXX, balance and delinquency dates inaccurate. 

XXXX XXXX XXXX  XXXX XXXX not verified properly. 

XXXX XXXX Credit Card Balance and reporting dates incorrect. 

XXXX XXXX XXXX Appears multiple times, duplicate reporting. 

XXXX XXXX XXXX XXXX account, ownership and date of first delinquency not validated. 

XXXX XXXX XXXX XXXX account, reporting accuracy disputed. 

XXXX XXXX XXXX XXXX account, balance inaccurate and unverifiable. 

XXXX Closed account still showing derogatory ; should reflect Closed Paid/Settled with {$0.00} balance. 

I have disputed these items with the credit bureaus but the information remains. The reporting companies have not provided proper verification as required by the Fair Credit Reporting Act ( FCRA ). Some accounts may be duplicates, some contain incorrect balances or dates, and some are not properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: OH

Complaint narrative:
I am disputing inaccurate and unverifiable information appearing on my credit report. The following accounts are reporting incorrectly : XXXX XXXX Charged-off, balance/date reporting inconsistent with my records. 

XXXX XXXX  XXXX, balance and delinquency dates inaccurate. 

XXXX XXXX XXXX  XXXX XXXX not verified properly. 

XXXX XXXX Credit Card Balance and reporting dates incorrect. 

XXXX XXXX XXXX Appears multiple times, duplicate reporting. 

XXXX XXXX XXXX XXXX account, ownership and date of first delinquency not validated. 

XXXX XXXX XXXX XXXX account, reporting accuracy disputed. 

XXXX XXXX XXXX XXXX account, balance inaccurate and unverifiable. 

XXXX Closed account still showing derogatory ; should reflect Closed Paid/Settled with {$0.00} balance. 

I have disputed these items with the credit bureaus but the information remains. The reporting companies have not provided proper verification as required by the Fair Credit Reporting Act ( FCRA ). Some accounts may be duplicates, some contain incorrect balances or dates, and some are not properly validated.

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 2025-09-17 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: CA

Complaint narrative:
Several account currently appearing on my credit file are the result of fraudulent activity and identity theft, for which I provided no authorization whatsoever, written or otherwise. These unauthorized entries have created severe disruptions to my financial stability and personal well-being, causing both monetary losses and emotional strain as I work to restore my credit integrity. The inaccurate reporting of these accounts has blocked my access to legitimate credit opportunities and has prevented me from pursuing essential life goals, including homeownership and providing adequate financial security for my dependents. I am now demanding that your agency immediately investigate and purge these disputed items from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I maintain that the inaccurate late payment remarks on my accounts represent a violation of XXXX XXXX XXXX. I have consistently made timely payments, and any discrepancies in this reporting are both unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : Inaccurate XXXX  XXXX Account Reporting Across All Bureaus Body : I am disputing the XXXX  XXXX account [ XXXX Account ending XXXX ] appearing on my XXXX XXXX XXXX XXXX  reports. XXXX XXXX is reporting inconsistent dates of first delinquency and balances across the XXXX bureaus, violating FCRA XXXX ( b ). Under FCRA XXXX ( a ), I have the right to verification. XXXX XXXX has failed to provide a signed agreement or complete payment history. Per XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), unverifiable information must be deleted. Please remove this account immediately. 




Account Number : Ending in XXXX Original Creditor : XXXX  XXXX, XXXX. 

Current Owner : LVNV Funding LLC XXXX  ID : XXXX Current Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MO

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Despite my prior disputes and the evidences, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA XXXX, Experian is legally obligated to : XXXX. XXXX a timely and reasonable reinvestigation of disputed accounts. XXXX. Delete any item that can not be verified or is found to be inaccurate or incomplete. XXXX. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts. 
- A detailed explanation of the methods used to verify the accuracy of each account. 
- The removal of any account that remains unverifiable, inaccurate, or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation