vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On my credit report there is an unlawful contract between myself and LVNV FUNDING LLC open on XX/XX/XXXX23. I never received or accepted a clear offer from LVNV. I never created a legally binding contract with LVNV FUNDING LLC, written or verbal. I need this account/contract removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX for inaccurately reporting an account as charged off with a high outstanding balance, even though the account was paid in full this week. 

The account ( ending in XXXX ) is still being reported with a balance of {$11000.00}, marked as charged off, with continuous monthly charge-off updates through XX/XX/XXXX. This is misleading and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 1. Failure to update paid status : Although the account was fully paid this week, XXXX has not updated the credit report to reflect the true status. Reporting a balance that no longer exists is inaccurate and violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). 
2. Re-aging of debt : The account has been closed since XXXX, yet XXXX continues to report charge-off status every single month up to XX/XX/XXXX. This practice of re-aging derogatory accounts violates FCRA 605 ( c ) and misleads lenders by making the delinquency appear newer than it is.

3. Lack of correction after dispute : The account history shows a pattern of neglecting updates even when disputes are made. Once a debt is satisfied, credit reporting agencies and furnishers are legally required to update the account or remove it under FCRA 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX for inaccurately reporting an account as charged off with a high outstanding balance, even though the account was paid in full this week. 

The account ( ending in XXXX ) is still being reported with a balance of {$11000.00}, marked as charged off, with continuous monthly charge-off updates through XX/XX/XXXX. This is misleading and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 1. Failure to update paid status : Although the account was fully paid this week, XXXX has not updated the credit report to reflect the true status. Reporting a balance that no longer exists is inaccurate and violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). 
2. Re-aging of debt : The account has been closed since XXXX, yet XXXX continues to report charge-off status every single month up to XX/XX/XXXX. This practice of re-aging derogatory accounts violates FCRA 605 ( c ) and misleads lenders by making the delinquency appear newer than it is.

3. Lack of correction after dispute : The account history shows a pattern of neglecting updates even when disputes are made. Once a debt is satisfied, credit reporting agencies and furnishers are legally required to update the account or remove it under FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me XXXX XXXX XXXX XXXX XXXX WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses.

2. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : 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 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I scheduled a payment and the company took other unauthorized payments from my account Company also created a separate checking account for their company without my permission.

Unauthorized use of banking and personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under XXXX U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name : XXXXXXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/year> - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name. 
Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft.

Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law, and confirm in writing once the block is in place.

If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of 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 2025-06-13 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: CBC Companies, Inc.
State: TN

Complaint narrative:
Since being burglarized, I have had many accounts fraudulently opened in my name. This is the last one that needs immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX Contacted by collections, after the website shows XXXX XXXX can assist with an extension on the website- False Advertisement. Secondly, the Supervisor asking me how I pay my cell phone, which confidential and unprofessional. I have submitted a letter in the NFCU message system and attached is my dispute to removed and delete because it is affecting my credit score and it was my personal money for the Secured Card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/2025, I faxed Synchrony Bank a formal cease-and-desist and damages notification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). The fax was confirmed successfully delivered to their designated number ( XXXX ), with documentation available. 

Despite this, on XX/XX/2025, I received a mailed statement from Synchrony Bank stating : STATEMENT ENCLOSED : Payment may be required. 

This contact occurred after they were legally prohibited from communicating further, and was not a legal action notice or a permissible acknowledgment of the cease request. It was an ongoing collection effort, in clear violation of FDCPA 1692c ( c ). 

To be absolutely clear : This is not a duplicate complaint. 
It is based on newly submitted, timestamped evidence showing a fresh violation that occurred on XX/XX/2025. 
While Synchrony has contacted me unlawfully on multiple occasions, this complaint addresses a specific and independently verifiable instance following a formal cease-and-desist. 

Under 15 U.S.C. 1692k, a collector in violation is liable for : Actual damages, costs, and up to {$1000.00} in statutory damages per violation. 

I request the CFPB : Investigate this repeat violation and enforce appropriate fines Confirm no further contact will be made Ensure any related credit reporting entries are removed Attached Exhibits : A Faxed cease-and-desist confirmation ( XX/XX/2025 ) B Copy of mailed envelope received from Synchrony C USPS Informed Delivery showing delivery on XX/XX/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 2025-06-13 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: FL

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

1681c-2 ) that you, the 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-13 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: FL

Complaint narrative:
I am a victim of identity theft. Several accounts were fraudulently opened using my Social Security number. I have provided XXXX XXXX XXXX with extensive documentation, including police reports, notarized statements, and detailed information regarding the incident. Despite my efforts, it seems little to no progress has been made in resolving this matter. I have disputed these fraudulent accounts directly with XXXX XXXX and through all major credit bureaus, only to receive the same generic responses. For the record, I have never purchased or financed a vehicle through XXXX XXXX. I am requesting a thorough investigation and immediate resolution to correct these inaccuracies on 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 explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-06-13 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: ID Analytics, Inc.
State: TN

Complaint narrative:
Since being burglarized, I have had many accounts fraudulently opened in my name. This is the last one that needs immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> To : XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX Subject : Request for Reinstatement and Goodwill Adjustment for Account Ending in [ XXXX ] Dear XXXX XXXX XXXX XXXX I hope this message finds you well. I am writing in regard to my account ( ending in XXXX ), which was reported as XXXX  days late with a past due balance of {$90.00}, as of XX/XX/year>. I am requesting a goodwill adjustment to remove the late payment from my credit report and to reinstate my account to good standing. 

This delay in payment was not a reflection of my intent or financial responsibility, but rather an unfortunate oversight during a time of personal difficulty. I take full responsibility for the missed payment and have since taken steps to bring my account current. 

I have otherwise maintained a consistent payment history and remain committed to fulfilling my obligations. I respectfully request that you consider granting a one-time courtesy adjustment under the Fair Credit Reporting Act, and remove this delinquency from my credit history as a gesture of goodwill. 

As a loyal customer, I value the opportunity to continue my relationship with XXXX XXXXXXXX XXXX and I am hopeful that you will honor this request in support of my efforts to maintain a positive credit standing. 

Please let me know if any additional documentation is needed to process this request. I would greatly appreciate your consideration and support. 

Sincerely, XXXX XXXX [ Signature if printing ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX Subject : Request for Reinstatement and Goodwill Adjustment for Account Ending in [ XXXX ] Dear XXXX XXXX XXXX XXXX I hope this message finds you well. I am writing in regard to my account ( ending in XXXX ), which was reported as XXXX days late with a past due balance of {$90.00}, as of XX/XX/year>. I am requesting a goodwill adjustment to remove the late payment from my credit report and to reinstate my account to good standing. 

This delay in payment was not a reflection of my intent or financial responsibility, but rather an unfortunate oversight during a time of personal difficulty. I take full responsibility for the missed payment and have since taken steps to bring my account current. 

I have otherwise maintained a consistent payment history and remain committed to fulfilling my obligations. I respectfully request that you consider granting a one-time courtesy adjustment under the Fair Credit Reporting Act, and remove this delinquency from my credit history as a gesture of goodwill. 

As a loyal customer, I value the opportunity to continue my relationship with XXXX XXXX XXXX, and I am hopeful that you will honor this request in support of my efforts to maintain a positive credit standing. 

Please let me know if any additional documentation is needed to process this request. I would greatly appreciate your consideration and support. 

Sincerely, XXXX XXXX [ Signature if printing ]

Company response to consumer: Closed with non-monetary relief