vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: MD

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX BALANCE {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX, FL 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 2025-07-04 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:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX BALANCE {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm trying to purchase a home and this medical debt shows up. 
XXXX XXXX : XXXX XXXX Account Number : XXXX Amount : XXXX Date Opened : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, outdated, or unverifiable. I am requesting that this item be investigated and verified, or otherwise deleted from my credit report. 

Additionally, under the Health Insurance Portability and Accountability Act ( HIPAA ), I am entitled to privacy regarding my medical information. If this collection agency is reporting this debt without proper authorization or without providing me with adequate validation of the debt, it may be in violation of HIPAA guidelines as well. 

Please conduct a reinvestigation of this account and provide me with the following : A complete itemization of the debt. 

The name and address of the original medical provider. 

Proof that I authorized treatment and owe this balance. 

Documentation showing that this agency has permission to collect on this debt and share it with credit bureaus. 

Proof that you have followed all HIPAA and FCRA procedures in listing this debt on my report. 

If this account can not be properly verified within 30 days, as required by the FCRA, I request that it be immediately deleted from my credit file.

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 2025-07-04 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: TX

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-07-04 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: TX

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am writing to formally dispute the validity of the collection account listed below on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

This account is being reported inaccurately. I am requesting that you : 1. Provide full validation of this debt, including : The original creditors name and contact information The full account history and itemization of the amount claimed A copy of any contract or agreement bearing my signature proving I am legally obligated 2. If you can not provide this documentation, delete this collection from my credit report immediately as required under FCRA 611 ( 15 U.S.C. 1681i ).

Additionally, please provide me with the name, address, and telephone number of the original creditor if different from the current collector. 

Under the FCRA, you are required to complete your investigation within 30 days of receipt of this dispute. Please send your written response to the address listed above. 

Thank you for your prompt attention to 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 2025-07-04 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-04 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-04 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Unauthorized Reporting of Accounts Formal Dispute under the FCRA I am writing to formally dispute the reporting of the following accounts appearing on my credit report, as I have never authorized these entities to obtain or furnish my personal information. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and related provisions, I request that these accounts be investigated, validated, and, if found unverifiable, removed from my credit report immediately. 





The accounts in question are as follows : Creditor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am asserting that I never entered into any contractual relationship with these creditors, nor did I authorize the use or dissemination of my personal information. I am requesting a full investigation into how these accounts were reported, including documentation with my original signature authorizing such actions. If no such evidence can be produced, these accounts must be removed in accordance with federal law. 



Please consider this letter a formal dispute and request under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I also request notification of the outcome of the investigation and updated copies of my credit report once the corrections have been made. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I received a notification from XXXX regarding the outcome of an investigation into a disputed entry on my consumer file. The entry in question is from Truist Bank, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The report indicates that the account was closed on XX/XX/XXXX with an original charge-off amount of {$3700.00}, marked as unpaid and coded under Account Abuse. 

I had disputed this entry, asserting that the information was either inaccurate or incomplete. However, XXXX has since reported that the source ( Truist Bank ) has verified the data as accurate and complete. 

Several issues remain concerning this report : 1. I have never received full documentation or breakdown of the debt from Truist Bank.

2. I was never contacted directly or given an opportunity to resolve the issue before it was reported.

3. I believe this account may be the result of fraud or misidentification. 


4. The balance appears inflated and does not match any account activity I recognize. 



Actions taken : I submitted a formal dispute to XXXX requesting a reinvestigation of the account. 

I attempted to contact Truist Bank to obtain further clarification but received no direct communication in return. 

I am now seeking to have this item removed or further investigated, as it continues to negatively affect my ability to open a bank account and manage my finances. 


I am requesting that this matter be further reviewed or escalated, and that supporting documentation be provided to justify the validity and amount of the charge-off. If this can not be provided, I respectfully request that the account be deleted from my XXXX report in accordance with the Fair Credit Reporting Act ( 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 2025-07-04 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX Y XXXX - Incorrect Personal 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 Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am writing to formally dispute the validity of the collection account listed below on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq This account is being reported inaccurately. I am requesting that you : 1. Provide full validation of this debt, including : The original creditors name and contact information The full account history and itemization of the amount claimed A copy of any contract or agreement bearing my signature proving I am legally obligated 2. If you can not provide this documentation, delete this collection from my credit report immediately as required under FCRA 611 ( 15 U.S.C. 1681i ). 

Additionally, please provide me with the name, address, and telephone number of the original creditor if different from the current collector. 

Under the FCRA, you are required to complete your investigation within 30 days of receipt of this dispute. Please send your written response to the address listed above. 

Thank you for your prompt attention to 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 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-04 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: TX

Complaint narrative:
This is my XXXX XXXX XXXX attempt. This letter serves as a formal complaint the reporting if this information is in violation with the FCRA. I am disputing once again under FCRA regarding inaccurate and inconsistent reporting to my credit report. Please be advised I am fully aware if the XXXX XXXX dollar lawsuit against Experian for misrepresenting and failing to conduct thorough investigations in direct violation of FCRA requirements. Additionally I am aware your bureaus stall letter tactics to delay or avoid proper dispute investigations. This is my XXXX attempt at justice. I am disappointed to find glaring discrepancies across all three bureaus regarding accounts I have disputed religious within the past 2 months. There are payment history discrepancies. Some bureaus have information some doesn't. Some payment history differ from others. Dates across all bureaus inaccurate and different from each other. Charge off status different. Dates of last payment inaccurate. Last payment date across the bureaus read different. These reporting errors misrepresent my credit profile and violates FCRA requirements for maximum accuracy specifically FCRA U.S.C.1681e ( b ). Due to the enormous violations I am Demanding you remove these accounts immediately. 
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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am filing this complaint because I was charged on my Bank of America credit card for an item I purchased on XXXX, but the item was never delivered to my unit, and the dispute resolution process has failed to protect me as a consumer. 

I purchased a XXXX XXXX XXXX XXXX XXXX from a seller located in XXXX XXXX via XXXX. The item was shipped using XXXX XXXX / XXXX, and the tracking number is XXXX. The package was addressed to a family member ( XXXX XXXX ) at a secured apartment building with XXXX units in XXXX XXXXXXXX XXXX Missouri XXXX 

The courier marked the item as delivered and uploaded a generic photo of the building lobby, not my unit, not the package room, and not even the correct floor. The delivery person never called me, despite the package being labeled with my name and phone number, and could not have entered the building without my access. 

I contacted both the logistics company and XXXX XXXX XXXX to raise this issue. The seller closed the case without resolution, and XXXX refused to assist, stating the item was delivered based on the tracking photo. This photo does not prove delivery to my unit or a safe handoff, and the building policy clearly states that all deliveries should go to the package room or directly to residents with access. 

This strongly suggests a false or negligent delivery, and I suspect the delivery person may have misdelivered or stolen the package. I attempted to escalate the issue and obtain assistance, but I received no response from the logistics company and no cooperation from XXXX. 

I am now seeking help from my credit card issuer ( Bank of America ) to reverse the charge under the Fair Credit Billing Act, as I did not receive the goods I paid for. The delivery confirmation provided by the merchant is misleading and unreliable. 

Purchase Platform : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX ( XXXX ) Tracking Number : XXXX Recipient Name : XXXX XXXX My Name on XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Disputed Amount : {$320.00} Purchase Date : XX/XX/year> Delivery Date ( per tracking ) : XX/XX/year> I respectfully request that Bank of America XXXX Investigate this charge as a billing dispute due to false delivery, Reverse the charge under consumer protection laws, and Help me obtain a full refund for the undelivered item.

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 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank is very sneaky about applying your payments to the previous month and not allowing the payments to satisfy the minimal amount due so they report a late payment if your payment is paid the previous month in full and all payments before your due date goes to the previous month and not the following months predatory I made XXXX payments in XXXX month for XXXX times the amount of minimal due and when the following month came they said that all of those payments were applied to the prior month and gave me a late date of payment the same day it was due said it was applied to the following day and gave me a late payment for no reason at all whatsoever

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