vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Southwest Credit Systems is reporting a debt on my credit file that is not mine. I have no contractual relationship with this company. I am not responsible for this account and never authorized its creation. 

Despite this, Southwest Credit Systems continues to report this account to the major credit reporting agencies, which is damaging my credit and causing undue harm. I am requesting immediate deletion of this account from my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishing inaccurate or unauthorized information to a credit reporting agency is unlawful. Additionally, I am requesting that the company cease and desist all communication with me under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ).

Under South Carolina Code Title 37, continued reporting or collection on a debt that does not belong to the consumer may be considered deceptive and unfair business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: IL

Complaint narrative:
This debt of {$500.00} is not mine. I have never received a payday loan. This debt is fraudulent and I want it removed from my credit report.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is to formally dispute fraudulent accounts on my credit profile. These accounts were not initiated by me and were created without my consent. As provided by 15 U.S. Code 1681g, I am requesting that they be removed within 15 days. Attached you will find documentation supporting my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my credit report. Please remove these account from my credit report, they are hurting my ability to obtain credit.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, sent a certified debt validation letter to MG Credit Corp on XX/XX/year>2025, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ).

Under this law, a consumer has the right to request written verification of a debt, and the collector must cease collection efforts until proper validation is provided.

Despite this, MG Credit Corp failed to produce : - A copy of the original signed agreement- An itemized breakdown of charges- Legal documentation showing they are authorized to collect this debt This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

They continue to report unverifiable information to the credit bureaus. 
* * Account Numbers Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail Tracking Number XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am filing this complaint because I have been repeatedly impacted by inaccurate, unverifiable, and possibly fraudulent information being reported on my credit file, despite multiple disputes. 

My identity was exposed in the XXXX  data breach, which compromised my personal information. Since then, the following have occurred : XXXX XXXX is reporting a charge-off for {$450.00} that I never authorized and never received validation for. 

XXXX XXXX XXXX is reporting a collection account for {$1200.00} without my consent or proper verification. 

There are multiple hard inquiries from lenders I never applied with, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The credit bureaus continue to report outdated names, addresses, and employer information, even after formal disputes. 

I have sent certified letters to XXXX, XXXX, and XXXX demanding removal under FCRA 609, 611, 623, and FDCPA 809, but they continue verifying inaccurate data without proper investigation. This has caused financial hardship and limited my access to credit. 

I am requesting that the CFPB hold the data furnishers and credit bureaus accountable for noncompliance and assist in having these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Charge-Off Due to Debt Cancellation via IRS Form 1099-C Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the reporting of a charged-off account on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Accounts : * Creditor Name : [ XXXX ] * Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off * Date of Last Activity : XX/XX/year> ISSUE : This debt has been canceled by the creditor, as indicated by the issuance of an IRS Form 1099-C ( Cancellation of Debt ). This form acknowledges that the lender has discharged the debt and reported it to the IRS as income. The issuance of a 1099-C legally ends the debt obligation, and as such, the account should not continue to be reported as a valid, collectible debt or as a charge-off. 
RELEVANT LAW : Under FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers of information are prohibited from reporting inaccurate or misleading information. Reporting a debt as a charge-off after it has been canceled and forgiven is misleading and not in compliance with federal law. 
Additionally, continued reporting of this charged-off debt may constitute : * A violation of the FCRA 1681e ( b ) for failing to maintain accuracy and completeness. 
* A potential tax and legal contradiction, as the debt can not be both canceled ( and taxed as income ) and still considered collectible or delinquent. 
DEMAND : I demand that this account be immediately deleted from my credit file with your bureau. Please update my report accordingly and provide written confirmation of this deletion. 

This dispute is being submitted in good faith and supported by federal documentation. I expect a full reinvestigation as required by FCRA 1681i ( a ), and a resolution within the 30-day window. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Charge-Off Due to Debt Cancellation via IRS Form 1099-C Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the reporting of a charged-off account on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Accounts : * Creditor Name : [ XXXX ] * Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off * Date of Last Activity : XX/XX/year> ISSUE : This debt has been canceled by the creditor, as indicated by the issuance of an IRS Form 1099-C ( Cancellation of Debt ). This form acknowledges that the lender has discharged the debt and reported it to the IRS as income. The issuance of a 1099-C legally ends the debt obligation, and as such, the account should not continue to be reported as a valid, collectible debt or as a charge-off. 
RELEVANT LAW : Under FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers of information are prohibited from reporting inaccurate or misleading information. Reporting a debt as a charge-off after it has been canceled and forgiven is misleading and not in compliance with federal law. 
Additionally, continued reporting of this charged-off debt may constitute : * A violation of the FCRA 1681e ( b ) for failing to maintain accuracy and completeness. 
* A potential tax and legal contradiction, as the debt can not be both canceled ( and taxed as income ) and still considered collectible or delinquent. 
DEMAND : I demand that this account be immediately deleted from my credit file with your bureau. Please update my report accordingly and provide written confirmation of this deletion. 

This dispute is being submitted in good faith and supported by federal documentation. I expect a full reinvestigation as required by FCRA 1681i ( a ), and a resolution within the 30-day window. 
Sincerely, [ 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 2025-06-16 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/year>XXXX  several hard inquiries were put on my credit report that I just fraudulent. I was not looking for a vehicle to purchase or any type of loan at all. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX File Number : XXXX Subject : Final Notice Immediate Removal of Inaccurate and Unverified Bankruptcy and Account Entry To Whom It May Concern, This letter serves as my final formal demand for the immediate deletion of the following derogatory entries from my TransUnion credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) : 1. 
XXXX  XXXX Bankruptcy US Bankruptcy XXXX XXXX Georgia File # : XXXX Filed : XX/XX/XXXXXXXX  Verified : XX/XX/XXXX Removal Scheduled : XX/XX/XXXX Basis for Deletion : No verification has been provided after multiple disputes. 
This bankruptcy does not appear on my XXXX  or XXXX  reports, indicating inconsistency and a lack of proper validation. 
This constitutes furnishing inaccurate and incomplete information, in violation of FCRA 607 ( b ) and FCRA 611 ( a ).

2. 
XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX  Status : Included in Bankruptcy Remark : XXXX XXXX BANKRUPTCY Basis for Deletion : This account is tied to the same unverifiable bankruptcy above. 
Continued reporting of this inaccurate entry is reckless and damaging. 

DEMAND FOR ACTION You are hereby demanded to : Delete the above entries within 4 business days from receipt of this letter.

Send written confirmation of removal to the address above. 
Failure to comply will result in immediate legal action for negligent noncompliance under FCRA 616 and 617. I will not hesitate to file complaints with the CFPB, FTC, and State Attorney General, and pursue damages in civil court.

This is your final warning. 
Sincerely, 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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a Care Credit card with Synchrony Bank. I only use it for promotional deferred interest plans and for charges at my vet or medical doctor. Payments made are supposed to be applied to promotional plans that are expiring first. I logged on one day and discovered that a payment I made was applied to a balance expiring in XXXX, yet I had two promotional plan balances expiring in XXXX. I first called on the phone to address and the system hung up on me after a long wait time. So I contacted via live chat. I asked the agent why the balance was applied to a non-expiring balance. She indicated it must have been a system error? That is scary if it was a system error. What is sounds like is the system does that and hopes that customers don't check their balances closely online - then Synchrony Bank gets to collect interest on the expired promotion because they applied payments to months that were not expiring. The live chat representative indicated that she had reallocated and that it would take two weeks. This of course is ridiculous because it takes just a couple of business days to process a payment. Well, I waited two weeks and noticed that the amount was still showing in XXXX. No one works at Synchrony over the weekend apparently. Today I logged on and noticed it was gone from XXXX but couldn't tell where it was applied. Another live chat discussion. This agent told me it was still on XXXX- even though I didn't see it on XXXX. So again she asked if I wanted to reallocate. This concerned me since it wasn't done the first time and you can not see online where payments are applied. There is no breakdown. I asked if she allocated this to my expiring balance how much I would then need to pay to avoid interest on my account 8 days from now. She told me the amount which I have now paid. But my guess is this {$75.00} that is supposed to be allocated once again won't make it and conveniently I will be charged interest for this remaining balance of {$75.00}. I told her this and couldn't get a straight answer as to whether it would be reallocated in time. She told me I could just call in and they would waive the interest. I don't believe anything this company says. No one online seems to really understand their own system. And I have just no trust in this company. It seems there are fraudulent practices when payments are being applied to plans that are not expiring. And I notice always to the ones with the lesser balances ( less interest for them ). Furthermore, my records show XXXX was {$70.00} but she says it was {$75.00} so that makes this even less credible.

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 2025-06-16 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: NJ

Complaint narrative:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report 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 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