vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
I am writing to formally dispute information currently being reported on my credit file maintained by your agency. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of all items listed on my credit report and the deletion of any and all accounts that can not be fully verified as accurate and complete.

Under the FCRA, you are legally required to conduct a reasonable reinvestigation of the items in question and respond within 30 calendar days of receipt of this dispute. If you are unable to verify any of the information with the original creditors or data furnishers, those unverifiable items must be promptly deleted from my credit report.

Please consider this letter a formal notice to investigate and remove any and all unverifiable, outdated, inaccurate, or misleading accounts, as required by law. I am asserting my rights as a consumer under federal law and expect full compliance.

I expect this matter to be resolved in a timely and lawful manner. 


Disputed Accounts : XXXX XXXX XXXX XXXXXXXX Issue : Listed as a charge-off with a {$9100.00} past due balance Requested Action : Verify full charge-off documentation, or remove if unverifiable XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Reported as charged off with {$5100.00} past due Requested Action : Provide full payment history and authorization of closure/charge-off XXXXXXXX XXXX XXXXXXXX Issue : Reported charge-off with {$11000.00} past due Requested Action : Request verification of balance, charge-off status, and delinquency history XXXX. XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) Issue : Reported as a collection with a balance of {$950.00} Requested Action : Provide validation including original contract, debt assignment, and collection authority XXXX. XXXX XXXX Issue : Late payment status ( 60 days past due ) reported Requested Action : Request verification of delinquency accuracy ; correct or remove if unverifiable These entries are having a substantial negative impact on my credit file and are not consistent with my records or understanding. I request the removal or correction of any information that can not be properly verified. In accordance with the FCRA, please complete your reinvestigation within 30 days and notify me of your findings in writing. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I ask for my services to be cancelled a month ago, then I got charged again. They finally cancelled my services but are refusing to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
b'Dispute of Fraudulent XXXX XXXX XXXX XXXX & Misleading Credit Reporting  Last Payment Date Inaccurate \n\nDear Consumer Financial Protection Bureau,\n\nI am submitting this formal complaint and dispute against XXXX XXXX XXXX XXXX for reporting a fraudulent auto loan and providing inaccurate, inconsistent information to the credit reporting agencies. I am the victim of identity theft and did not authorize, apply for, or benefit from this account.\n\n1. Fraudulent Account  Identity Theft\nA XXXX XXXX XXXX XXXX account is being reported on my credit profile. I never opened this loan, never applied for credit with XXXX XXXX and have no knowledge of this debt. This account is unauthorized and was opened fraudulently.\n\n 2. Inaccurate Last Payment Reporting\nThere is also inconsistent and misleading reporting regarding the last payment date:\n\nThe account history shown in XXXX XXXX XXXX clearly indicates the last actual payment was XXXX XXXXHowever, XXXX XXXX is reporting the last payment as XXXX XXXX   the same month the account went into charge-off status.\nIt is misleading to state a payment was made in XXXX XXXX when in reality, no payments were made afteXXXX XXXX XXXX. This appears to be an attempt to artificially extend account activity and make the debt appear more current, which is a violation of the Fair Credit Reporting Act (FCRA).\n\n3. Inconsistent Account Numbers Across Bureaus\nAdditionally, this same XXXX XXXX account is reported under different account numbers across the credit bureaus:\n\nXXXX XXXXXXXX  & Equifax: List entirely different account numbers.\nThis inconsistency further raises concerns about the legitimacy and accuracy of the reported account.\n\nFederal Law Violations:\nUnder the Fair Credit Reporting Act (FCRA):\n\n 1681s-2(a)(1)(A): A data furnisher must not report information it knows to be inaccurate.\n 1681s-2(b): Upon receiving notice of a dispute, the furnisher must investigate, correct inaccuracies, and report the results.\nFACTA (Fair and Accurate Credit Transactions Act): Gives me the right to block fraudulent entries and initiate an identity theft investigation.\n\nAttached Supporting Documents:\nCopy of credit reports from XXXX XXXX XXXX showing disputed account and date discrepancies\nFTC Identity Theft Report\nPolice report confirming identity theft\n\n\n request that the CFPB investigate this matter and requirXXXX XXXX XXXX to:\n\nProvide verifiable proof that I opened and used this account\nRemove the account from all credit reporting agencies if proof cannot be provided\nCorrect the false last payment reporting if the account remains under review\nPlease confirm receipt of this dispute and notify me of any updates or findings. Thank you for your attention and assistance.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnExperian XXXX XXXX XXXX XXXX XXXXnDear Experian\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA),\nspecifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent account that I have identified on my credit report are as follow:\n\nXXXX XXXX XXXX XXXX XXXXn\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity\XXXX 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 2025-07-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX  credit report on XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-07-15 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:
Request for a consumer statement on a specific account. The fraudulent account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to XXXX today to get clarification on why Equifax is continuing to report this fraudulent account and was told that the account has my name, date of birth and social security number. I explained to XXXX that the account has my personal information because it is identity theft and my personal information was used to open this account fraudulently. XXXX then advised me that the affidavit was incomplete which is false. When I told XXXX to pull the affidavit from XXXX that is completed and notorized, he got very quiet, then eventually said he shows the affidavit ; but he is still not removing the account because XXXX XXXX said to keep the account on my credit report and that they " think '' it belongs to me. XXXX then said that Equifax does not have to do an investigation if XXXX XXXX verifies this account as accurate. When I asked XXXX how did XXXX XXXX and Equifax verified this account, he explained that my personal information is all over this account. When I asked him what personal information, he said my name, social security number and date of birth matches my identity so they will not remove the fraudulent account. I will place/add this for lawsuit in California federal court & let my attorney handle this moving forward. This XXXX XXXX Account is hereby DISPUTED. XXXX did not want to add this statement and got upset when I asked him to add it. He said he is not required to add this under the XXXX XXXX account. I am requesting the following consumer statement be added to this SPECIFIC XXXX XXXXXXXX account ; by law as I am required to add a statement under any account that i dispute. The following verbiage be added to This XXXX  XXXX account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Disputes this account. Pending litigation and is a result of identity theft '' I am requesting this consumer statement be added.,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: WI

Complaint narrative:
Please take this complaint seriously and review the attached file. I have spent a long time trying to correct the errors on my credit report, yet my concerns continue to be ignored. Ive reached my limit. These inaccuracies have affected every part of my lifefinancially, emotionally, and mentally. My credit score has taken a serious hit, and Ive been denied opportunities I should have qualified for. It has reached a point where even getting help feels out of reach.

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 2025-07-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Equifax & XXXX credit report on XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against Synchrony Bank and XXXX XXXX XXXX, XXXX for their failure to comply with federal regulations regarding debt communication and documentation. 
On XXXX and XXXX 2025 ], I requested that Synchrony Bank provide me with IRS Form 1099-C, reflecting the cancellation of debt that they have already charged off. Despite the passage of several weeks, I have received no response or acknowledgment of my request. 
Additionally, I contacted XXXX XXXX XXXX, XXXX to obtain validation of the alleged debt they are attempting to collect. Their response consisted solely of a copy of a credit card statement. They did not provide : - An itemized statement showing a breakdown of charges - A copy of the original signed contract - Documentation sufficient to meet the validation standards outlined in the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S. Code 1692g, debt collectors are required to furnish a detailed validation of the debt upon request. Failure to do so is a clear violation of consumer rights and 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 2025-07-14 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicing Solutions, LLC
State: GA

Complaint narrative:
Under the FCRA, this company failed to comply, and it has led Servicing Solutions LLC, breaching their own contract by violating the Arbitration Clause Act ( FAA ), 9 U.S. Code 116. They purchased a debt that was never mine, and is fraudulently placed In my name. They also sold the debt to XXXX XXXX XXXX, which is now reporting the same duplicate debt on my credit report in the amount of {$12000.00}. I have contacted all 3 credit bureaus about this matter and filed a police report, along with a report on identity theft.gov. Under, ( FDCPA ) 15 U.S. Code 1692e ( 2 ) ( A ) this is illegal to do and I am now suing and seeking damages due for financial, emotional harm in the amount of {$10000.00}. I will be sending my civil suit to both companies along with credit bureaus. This has to stop because I am a true victim of identity theft that led me to have to change my entire now and get new identifications numbers to reflect who I truly am.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: HI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to report Experians failure to maintain accurate information on my credit report. Despite my right under the Fair Credit Reporting Act ( FCRA ) to a fair and accurate credit file, Experian continues to report erroneous addresses and a disputed late payment that I have no legal or factual connection to. 

Below are the items I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Issue : Wrong Address Law Violated : FCRA 607 ( b ) Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Background : I have never lived at this address, used it for any personal or financial reason, nor given it to any creditor. Its presence on my report is misleading and could cause misattribution of negative accounts or identity confusion. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Wrong Address Law Violated : FCRA 607 ( b ) Background : This address is also not associated with me in any way. Its presence is an error and must be removed. Despite prior disputes, Experian has failed to delete it or provide documentation confirming its validity. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX High Balance : {$1400.00} Issue : Disputed late payment Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from providing inaccurate information Background : This account reflects a late payment which I believe is inaccurately reported. During that period, I was under documented financial hardship and had contacted the creditor to request accommodation. There was no proper notice or validation process before this negative mark appeared. I requested Experian to verify this with proper documentation from the creditor, but no such verification was provided. The continued presence of this late payment, without proper validation, constitutes a violation of my consumer rights. 

Requested Relief : I am requesting the CFPB to investigate Experians violations and take the following actions : Require immediate deletion of the two incorrect addresses Remove or correct the inaccurate late payment entry from the XXXX account Ensure Experian complies with the FCRA by only reporting verified and accurate information moving forward I have attached my government-issued ID and proof of current address to support this complaint and to confirm my identity. 

Thank you for your attention to this matter and for helping hold Experian accountable for its reporting obligations.

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