vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am disputing a closed, charged-off account being reported by XXXX XXXX XXXX and appearing on my TransUnion credit report ( XXXX XXXX ). 

TransUnion is inaccurately reporting the Date of Last Activity ( DLA ) as XX/XX/XXXX, when the actual DLA is XX/XX/XXXX. This misrepresentation appears to be furnished by the creditor, resulting in unlawful re-aging of the account, which violates FCRA 623 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ).

The account is closed, charged-off, and past the statute of limitations, yet is still reporting with a balance, in violation of FCRA accuracy standards. 

I never received proper validation of this account as required under the FCRA and FDCPA, nor have I received a XXXX for the alleged charged-off debt. 

I filed a formal dispute under FCRA 611 and requested documentation under 609, but no original supporting documentation ( such as contracts, billing statements, or proof of activity ) has been provided.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for continuing to report and re-age XXXX collection accounts that are near or past the XXXX limit allowed under the Fair Credit Reporting Act ( FCRA ). 

The accounts are : XXXX XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Balance : {$3300.00} Both of these accounts were reported as collection accounts with continuous monthly updates through XXXX and XX/XX/XXXX, which violates FCRA 1681c ( a ) ( 4 ) ( XXXX rule ) and XXXX XXXX XXXX by improperly re-aging the debt. 

There have been no payments made on these accounts, yet Experian continues to show XXXX XXXX XXXX  ) notations on my report for every month up to XX/XX/XXXX. This is deceptive and inaccurate reporting. 

I previously disputed these accounts, and Experian marked them as Updated instead of removing them. This update does not resolve the fact that the accounts are outdated and are being reported with misleading delinquency dates. 

I request the CFPB to investigate Experian for violating the FCRA and XXXX XXXX guidelines and to demand deletion of these accounts 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 explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Subject : Follow-Up Regarding Disputed Charges and Fraud Claim- i sent this to paypal and paypal credit Dear PayPal Credit Dispute Department , This letter serves as a formal follow-up to previous communications and dispute claims I submitted regarding unauthorized and/or fraudulent charges made through my PayPal Credit account. Despite providing documentation, multiple requests for investigation, and confirming that these transactions were made without my consent, I have yet to receive a resolution that is compliant with the XXXX XXXX Billing Act ( FCBA ), which governs your obligations as a creditor. 
I want to emphasize the following : I am a victim of identity theft and account takeover. These transactions occurred without my knowledge, authorization, or benefit. 
I have already submitted police reports, as well as formal complaints with the FTC, CFPB, FDIC, and Michigan DIFS. 
Some transactions were processed after my account and information were compromised through XXXX swap, XXXX breach, and fraudulent access via third-party payment platforms. 
I requested a full refund and credit for the affected charges and any associated interest or late fees caused by this fraud. 
Per 15 U.S. Code 1666, I have a right to withhold payment for disputed charges and must not be penalized during the investigation. 
Your failure to resolve this matter within the appropriate timeframe and your denial without due diligence constitutes noncompliance with federal consumer protection laws. 
I am demanding : XXXX. Immediate credit and reversal of all disputed fraudulent charges. 
XXXX. Removal of any associated late fees or interest tied to these transactions. 
XXXX. A detailed statement showing which disputes have been permanently resolved and which are still pending. 
XXXX. Written confirmation that no negative credit reporting will result from these disputes. 
Failure to comply will result in further legal escalation, including a referral to the XXXX Attorney General, and the potential filing of a civil and federal lawsuit. You are reminded that there is no statutory time limit on disputes involving fraud or misrepresentation. See FTC Act 5, Restatement ( Second ) of Contracts 164, and UCC 2-608 and 2-721.

Please respond in writing within XXXX business days to confirm resolution or next steps. You may contact me directly at XXXX. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I keep getting calls from this number. This debt was originally with another debt collector. Which was then removed from credit because they couldnt provide the correct documentation. It appears my information has been sold again to Credence Resource Management , LLC. This is clear FTC violation of code 15 USC CODE 1681S-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Repossession Due to Identity Theft Request for Immediate Deletion Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following account appearing on my credit report, which I believe is a result of identity theft and contains inaccurate and misleading information : Creditor Account Number : XXXX XXXX XXXX Account Type : Joint Auto Lease ( Installment ) Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Account Status : Closed Charge-Off Balance Owed : {$0.00} Payment Status : Current Term Length : 48 Months Remarks : Involuntary Repossession / Obligation Satisfied Account Rating : Repossession Redeemed Verified On : XX/XX/XXXX This account reflects contradictory and inaccurate data, including : {$0.00} balance with a Charge-Off remark, Current payment status with no delinquency history, and Repossession and obligation satisfied reported at the same time. 

These inconsistencies are not only confusing but misleading, and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires all consumer credit information to be complete, accurate, and not misleading in any manner.

Furthermore, I am asserting that I did not authorize or open this account, and it may have been established or manipulated as part of an identity theft event. Under 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), I formally request the following : 1. Immediate investigation and removal of this account from my credit report.

2. Permanent deletion of any reference to a repossession or charge-off, since it can not be verified as accurate, authorized, or legally reportable.

3. A written notice confirming the outcome of your reinvestigation.

This item is damaging to my credit profile and was not opened or consented to by me. I have enclosed a copy of my government-issued ID, a utility bill for proof of address, and can provide a police report or identity theft affidavit if necessary under the law.

Failure to respond within the required timeframe of 30 days will result in formal complaints being submitted to the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals office, and may result in legal action.

Thank you for your immediate attention to this urgent and unlawful reporting matter. I expect a prompt and thorough resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Repossession Due to Identity Theft Request for Immediate Deletion Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following account appearing on my credit report, which I believe is a result of identity theft and contains inaccurate and misleading information : Creditor Account Number : XXXX XXXX XXXX Account Type : Joint Auto Lease ( Installment ) Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Account Status : Closed Charge-Off Balance Owed : {$0.00} Payment Status : Current Term Length : 48 Months Remarks : Involuntary Repossession / Obligation Satisfied Account Rating : Repossession Redeemed Verified On : XX/XX/XXXX This account reflects contradictory and inaccurate data, including : {$0.00} balance with a Charge-Off remark, Current payment status with no delinquency history, and Repossession and obligation satisfied reported at the same time. 

These inconsistencies are not only confusing but misleading, and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires all consumer credit information to be complete, accurate, and not misleading in any manner.

Furthermore, I am asserting that I did not authorize or open this account, and it may have been established or manipulated as part of an identity theft event. Under 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), I formally request the following : 1. Immediate investigation and removal of this account from my credit report.

2. Permanent deletion of any reference to a repossession or charge-off, since it can not be verified as accurate, authorized, or legally reportable.

3. A written notice confirming the outcome of your reinvestigation.

This item is damaging to my credit profile and was not opened or consented to by me. I have enclosed a copy of my government-issued ID, a utility bill for proof of address, and can provide a police report or identity theft affidavit if necessary under the law.

Failure to respond within the required timeframe of 30 days will result in formal complaints being submitted to the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals office, and may result in legal action.

Thank you for your immediate attention to this urgent and unlawful reporting matter. I expect a prompt and thorough resolution.

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been charged {$250.00} by XXXX that was not authorized by me. Goldman Sachs fails to stand behind me and remove this charge from my account. 

I am unable to include the credit card number as this credit card account was closed some time ago and I have no access to anything related to it but I do authorize my social security number to be used to identify my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am formally disputing the negative report submitted by XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) concerning an alleged overdraft on my account, which I assert is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute any inaccurate or fraudulent information reported about me. I did not authorize the transaction ( XXXX ) that led to this overdraft, nor was I notified in a timely manner, which constitutes negligence on the part of the financial institution. The account activity in question reflects patterns inconsistent with my banking history and shows clear signs of unauthorized access. According to 15 U.S. Code 1681c-2, once a consumer notifies a consumer reporting agency of identity theft, the agency is legally required to block the reporting of such fraudulent information within XXXX business days. I have provided sufficient documentation to both XXXX XXXX  and XXXX  demonstrating that the overdraft resulted from identity theft. Therefore, continued reporting of this information is not only a violation of federal law, but it is also willfully damaging my financial reputation. If this information is not removed immediately, I will consider further legal action and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I expect confirmation of deletion from both XXXX XXXX  and XXXX XXXX XXXX within XXXX business XXXX. My rights under federal law entitle me to financial integrity and protection from the consequences of fraud, and I will pursue all necessary legal avenues to ensure those rights are respected.

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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Midland Credit Management INC is illegally or at least against FDCPA- continually raising the debt balance by {$1.00}, over, and over, and over again. Each team the raise it by one dollar, renewing the collections on my bureaus and dropping my scores. They didn't start doing this until after I asked them to validate the debt.

This should not be allowed and they should be forced to remove the collection as they are inherently trying to continually add {$1.00} to a balance they did not originally get hired to collect.

They are attempting to tack on their own fees and profit by doing so while continuing to put my consumer profile in more and more peril.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-30 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits & quot ; furnishing certain deceptive forms & quot ;. I & # 39 ; d like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX. 
XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced items that need to be updated to reflect positive and or removed from my credit report. 
Specifically, the following items on my report are disputed : Please remove these inaccurate names as soon as possible. These are not my name. Please verify and delete them immediately. 
XXXX XXXX XXXX XXXX Please remove these inaccurate addresses as soon as possible. These is not my home addresses. Please verify and delete them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unauthorized Inquiries. Please remove them on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions.

Given the above, I believe these entries on my credit report may have resulted from deceptive practices or inaccuracies, and I request a thorough investigation into each of these items.

Please validate the legitimacy of each entry and provide me with supporting documentation. If any of the aforementioned items can not be validated or are found to be reported in error or in violation of 15 U.S. Code 1692j, I respectfully request their immediate removal from my credit report. Additionally, please send me written confirmation once these items have been removed or updated.

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