vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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 writing to you with a heavy heart and a sense of urgency regarding the inaccuracies on my credit report. As a dedicated and responsible individual, I have always prided myself on maintaining my financial integrity. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that any information provided in a consumer report is accurate and has a permissible purpose 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

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 2025-04-04 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 writing to you with a heavy heart and a sense of urgency regarding the inaccuracies on my credit report. As a dedicated and responsible individual, I have always prided myself on maintaining my financial integrity. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that any information provided in a consumer report is accurate and has a permissible purpose 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian for multiple issues related to inaccurate reporting, improper dispute handling, refusal to correct personal information, and misleading consumer practices. 

1. Failure to Investigate and Correct Inaccurate Information I have disputed a collection account from XXXX XXXX XXXX that is reporting a false date opened of XXXX, even though the only documentation provided shows a rental agreement from XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX requesting validation and itemization of the debt, but they failed to provide anything beyond the outdated contract with no itemized charges or proof the debt belongs to me. Despite this, Experian continues to report it as accurate. 

XXXX XXXX is also reporting unverifiable and inaccurate debt information with inconsistent dates. I have disputed this as well, and Experian has not provided documentation or shown how they verified these accounts.

2. Displaying Inaccurate Credit Scores and Reports Since I canceled my Experian premium service, the credit report and score shown in their app are no longer accurate or consistent with what is reported by third-party credit monitoring tools. This raises serious concerns about Experian withholding accurate data from consumers who are not paying for a premium service, which is potentially deceptive and unfair.

3. Refusal to Remove False Personal Information Experian refuses to remove inaccurate addresses from my credit report that do not belong to me. I have only ever lived at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, yet other addresses continue to appearlikely linked to debts that are not mine. This is a failure to maintain accurate personal identifying information under the FCRA.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  for potential violations of banking laws, deceptive practices, and the fraudulent sale of my account to Resurgent Capital Services. The lack of transparency and verification regarding this debt raises serious concerns. 

Background I previously held a XXXX XXXX XXXX XXXX ( ending in XXXX ). The account was charged off, and Resurgent Capital Services is now attempting collection. 
Key Issues and Violations 1. Fraudulent Debt Sale : XXXX XXXX XXXX have sold my account to Resurgent without proper documentation. Despite repeated requests, neither entity has provided the original signed agreement, raising doubts about XXXX XXXX legal authority to sell this debt. 
2. Inaccurate Credit Reporting : I began disputing XXXX Ones charge-off around XX/XX/XXXX. 
XXXX removed the charge-off in XX/XX/XXXX after extensive disputes. 
Resurgent then reported the debt, significantly harming my credit score.

I am currently in arbitration with XXXX over its false reporting. 
XXXX XXXX knew of the inaccuracies yet still sold the debt to XXXX. 
3. Conflicting Debt Collection Efforts : XXXX XXXX claimed the debt was sold in XX/XX/XXXX. 
In XX/XX/XXXX, XXXX XXXX attempted collection on behalf of LVNV Funding, XXXX. 
After disputing, XXXX XXXX admitted having no records of the account. 
LVNV Funding, XXXX is affiliated with XXXX, raising doubts about the debts legitimacy.

4. Failure to Verify Debt : I requested validation from Resurgent, including proof of the original contract and ownership.

Resurgent failed to provide this documentation, violating the Fair Debt Collection Practices Act ( FDCPA ). 
Evidence Provided XXXX XXXX statements showing charge-off. 
Dispute records with XXXX. 
Credit reports showing the removal of charge-off and its later reporting by Resurgent.

Collection letter from XXXX XXXX for LVNV Funding, XXXX. 
XXXXXXXX XXXX XX/XX/XXXX letter confirming the sale to Resurgent.

All Rights Reserved XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CT

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ 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 non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
Equifax continue to report late payments on closed accounts like XXXX XXXX that was settled in XXXX of 2025 I'm not understanding how I'm receiving late payments on charge off or settled accounts also on a XXXX XXXXXXXX Account that was also settled 4 years ago. I need for them to removes these items and an inquire that I gave no permission for or even know how someone was able to do the fraudulent act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have i inquiries on my credit report that should have fell off contacting the credit bureau regarding these issues and was told it was nothing that can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/year>, {$13000.00} I had a retailer, XXXX XXXX, charge my credit card account without my consent. I went through two disputes with Synchrony Bank over 90 days and provided 12 pages of documentation. I have emails from the retailer apologizing for the confusion and stated the order was cancelled and refunded to the Synchrony account. Synchrony lied to me after the first dispute and made up a story saying the retailer issued me a gift card so there is no reason to remove the charge. Synchrony still refuses to remove the charge despite me not authorizing the merchandise. The merchandise was cancelled and refunded by the retailer. It was never shipped or received. How can Synchrony say I still owe for something that I didn't authorize or receive? How is this legal? I have been in limbo for 90 days between Synchrony and the retailer. I just opened a fraud claim with Synchrony. We'll see if they understand the situation better than the dispute team.

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 2025-04-04 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 explanation
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX and XXXX 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. This fraudulent, inaccurate, and false information consists of a several collections accounts : XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  XXXX XXXX account number XXXXXXXX XXXX  XXXX account number XXXX, XXXX account number XXXX and XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX SYS account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXG account number XXXX. XXXX XXXX Inquiries : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect personal addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX PA XXXX and Fraudulent DOB : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaints 3 reports filed 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

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 2025-04-04 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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  Experian

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 2025-04-03 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: TX

Complaint narrative:
I sent a letter dated XX/XX/XXXX notifying you that the child support account you are reporting was closed by the court in XXXX. Additionally, you are reporting inaccurate balance information, with TransUnion showing {$8900.00} and Experian and Equifax reporting {$9200.00}. The monthly payment amount is inconsistent, and the payment status and history are incorrect. Equifax correctly reflects the last activity date as XXXX when the case was closed, yet Experian and TransUnion show conflicting dates in XXXX. Given these multiple inaccuracies and clear FCRA violations, I am demanding the immediate removal of this account from my credit report. This child support case was dismissed in XXXX, and it should no longer be reported.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter dated XX/XX/XXXX notifying you that the child support account you are reporting was closed by the court in XXXX. Additionally, you are reporting inaccurate balance information, with TransUnion showing {$8900.00} and Experian and Equifax reporting {$9200.00}. The monthly payment amount is inconsistent, and the payment status and history are incorrect. Equifax correctly reflects the last activity date as XXXX when the case was closed, yet Experian and TransUnion show conflicting dates in XXXX. Given these multiple inaccuracies and clear FCRA violations, I am demanding the immediate removal of this account from my credit report. This child support case was dismissed in XXXX, and it should no longer be reported.

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 2025-04-03 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Account was paid in full, therefore should be removed off my credit report.

Company response to consumer: Closed with explanation