vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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:
CFPB Complaint XXXX Account Reported Despite Pay-for-Delete Agreement To whom it may concern, I am filing this complaint to report inaccurate and deceptive reporting practices by XXXX and the credit bureaus ( Equifax, Experian, and TransUnion XXXX regarding a closed account ending in XXXXXXXX XXXX XXXX XXXX XXXX, which was fully paid under a pay-for-delete settlement agreement. 

What Happened : This account was : Paid in full through a settlement agreement Closed as of XX/XX/XXXX Has a balance of {$0.00} on all three bureaus Despite that, the credit bureaus report : Equifax : Status " Open '' with 120 days late Experian & TransUnion : Status " Closed '' but marked as Collection/Charge-off All three bureaus still reflect the account as negative and derogatory Payment history in Experian shows a Charge-Off ( CO ) as recent as XX/XX/XXXX The comments also show : Settlement accepted, Account legally paid, meets FCRA requirements yet the account is still damaging my profile. 

Violations of the FCRA and Consumer Rights : Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), this reporting violates : 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 

1681s-2 ( a ) : Furnishers ( like XXXX ) must not report information they know is inaccurate.

1681s-2 ( b ) : After receiving notice of a dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate data.

1681i ( a ) : The credit bureaus must correct or remove unverifiable or inaccurate information within 30 days of a dispute. 

Additionally, XXXX breached the agreed-upon pay-for-delete settlement. This constitutes a failure to act in good faith, especially since I fulfilled my obligation by paying as negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
CFPB Complaint XXXX Account Reported Despite Pay-for-Delete Agreement To whom it may concern, I am filing this complaint to report inaccurate and deceptive reporting practices by XXXX and the credit bureaus ( Equifax, Experian, and TransUnion XXXX regarding a closed account ending in XXXXXXXX XXXX XXXX XXXX XXXX, which was fully paid under a pay-for-delete settlement agreement. 

What Happened : This account was : Paid in full through a settlement agreement Closed as of XX/XX/XXXX Has a balance of {$0.00} on all three bureaus Despite that, the credit bureaus report : Equifax : Status " Open '' with 120 days late Experian & TransUnion : Status " Closed '' but marked as Collection/Charge-off All three bureaus still reflect the account as negative and derogatory Payment history in Experian shows a Charge-Off ( CO ) as recent as XX/XX/XXXX The comments also show : Settlement accepted, Account legally paid, meets FCRA requirements yet the account is still damaging my profile. 

Violations of the FCRA and Consumer Rights : Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), this reporting violates : 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 

1681s-2 ( a ) : Furnishers ( like XXXX ) must not report information they know is inaccurate.

1681s-2 ( b ) : After receiving notice of a dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate data.

1681i ( a ) : The credit bureaus must correct or remove unverifiable or inaccurate information within 30 days of a dispute. 

Additionally, XXXX breached the agreed-upon pay-for-delete settlement. This constitutes a failure to act in good faith, especially since I fulfilled my obligation by paying as negotiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Im sending this letter to dispute wrong and unauthorized information on my credit file. My info was shared without my permission, violating FCRA rules under 15 U.S. Code 1681b ( 2 ), and there are accounts listed that Ive never used. This might be identity theft under 15 U.S. Code 1681c-2. Im asking for these mistakes to be corrected quickly.

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 2025-07-23 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:
A review of my credit report revealed a false account that was never initiated by me. I had no knowledge of this account and did not provide consent for its creation.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Each company in this letter repeatedly calls me and text me threatening after I have disputed all of these accounts as far as XXXX XXXX XXXX and t Mobile I do not owe them XXXX of dollars XXXX scammed me so bad and I returned all equipment I cant get ahead they are all sending me text about coming to my job calling my job garnishing my wages and All of these accounts are false and need to be deleted I have written letters certified mail and disputed want all of this deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
An unauthorized account has been wrongfully included on my credit file. I never applied for or opened this account, and it was reported in error.

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 2025-07-23 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: TX

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
The account was last paid on XX/XX/XXXX. It's been marked as charge-off. But late payment marks and derogatory updates are still being added monthly in XXXX, and XXXX, which is not allowed under the Fair Credit Reporting Act ( FCRA ). Late payments must stop being reported after the charge-off date. It can only be reported as charge off with a balance not updated as if new payments are still due every month. Continuing to report new derogatory marks each month after XX/XX/XXXX is inaccurate and harmful, and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
I am filing a formal complaint against Equifax regarding multiple unauthorized hard inquiries appearing on my credit report. I did not authorize, initiate, or consent to credit checks with any of the companies listed below. These inquiries were made without my knowledge, and I have no existing business relationships with these entities. 

These hard inquiries are harming my credit score and were placed fraudulently or in error. I am demanding that Equifax launch a full investigation and remove these inquiries immediately. 

I previously attempted to resolve this matter directly with Equifax and received no resolution. As these inquiries are inaccurate and damaging, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and demanding deletion. 

Requested Resolution : Immediate removal of all unauthorized hard inquiries A written confirmation that these entries have been deleted A reinvestigation if removal is denied List of Unauthorized Inquiries ( Equifax ) : XXXX. XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PR

Complaint narrative:
I am writing to formally dispute the reporting of account # XXXX from XXXX XXXX XXXX XXXX XXXX. 
This account is listed as charged off in XX/XX/XXXX, yet it continues to report as charged off monthly through XXXX. This is inaccurate and misleading. The Fair Credit Reporting Act ( FCRA ) prohibits re-aging of debt and reporting that causes repeated harm for a resolved event. 
Furthermore, the balance listed ( {$3800.00} ) exceeds the charged-off amount ( {$3500.00} ), indicating fees may have been added after the charge-off, which violates FDCPA standards. 
I request that you investigate this account and Remove the account entirely due to inaccurate, outdated, and misleading reporting. 
Please complete your investigation within 30 days and provide me with the results in writing. If the account can not be verified with complete and accurate documentation, it must be deleted.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues. 

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, XXXX XXXX is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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 did not open these accounts and am not liable for them ; please remove them from my credit history within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: IN

Complaint narrative:
Subject : Failure to Provide Method of Verification Ongoing FCRA Violations by Equifax, Experian, and TransUnion Complainant : Name : XXXX XXXX Email : XXXX I am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with a dispute I submitted on XX/XX/XXXX. 

Despite initiating a formal dispute regarding several inaccurate items on my credit report, all three credit bureaus responded that the information had been " verified. '' However, none of the bureaus provided the required method of verification as mandated under 15 U.S.C. 1681i ( a ) ( 7 ). 

Disputed Items : Public Record : U.S. Bankruptcy XXXX File # : XXXX Date Filed : XX/XX/XXXX Accounts : XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX CARD Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Violations and Noncompliance : Under XXXX5 U.S.C. 1681i ( a ) ( 7 ), the credit bureaus are required to provide : A description of the specific procedures used during their reinvestigation ; The name, contact details, and title of any person or entity contacted ; Copies of any documentation relied upon to verify the information. 

None of this information was provided to me. This failure represents a violation of : 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide method of verification ; 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete or correct unverifiable or inaccurate information ; 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns. 
y Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for XXXX XXXX to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a purchase on XX/XX/XXXX for XXXX  XXXX XXXX  I was told only had 6 months to pay off a little less than XXXX dollars without interest. Then was seen at XXXX XXXX  on XX/XX/XXXX and there was a larger charge of over XXXX. Which was on reduced interest. On XX/XX/XXXX I made a payment of XXXX which was before I received any bill so I assumed would have paid off the first charge. Well the next month when I seen they put all extra in the larger bill I called and requested it be allocated to the correct charge they said would take a billing cycle. Then this month checked it again and still wasnt correct called again last week and they told me there were no notes on my request. And they could only allocate XXXX XXXX something to the first charge. So I said I wanted it paid off so can I pay the difference to make sure it is paid in full. She said yes but that it would lower my upcoming auto payment so if I wanted the full amount I had to pay XXXX. So in XX/XX/XXXX I made that payment again being told it would be reallocated within 48 hours and again they put my payment incorrectly on the wrong purchase and I still owe XXXX on my approximate XXXX purchase after paying over XXXX dollars. They are just trying to keep it unpaid so they can XXXX me with XXXX percent interest which is robbery in itself. I have good credit and it is ridiculous.

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