vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a charged-off account reported by XXXX XXXX XXXX XXXX Experian, XXXX, and TransUnion. The account shows a balance of {$2600.00}. I sent certified written disputes to all three bureaus requesting : Verification of the debt under FCRA A signed original contract showing I owe the debt A full payment history to justify the balance Confirmation of whether XXXX issued a XXXX for debt cancellation Despite this, the bureaus verified the account without providing me any of the requested documentation. XXXX never responded directly with proof of the debt or any of the documentation I requested. 

Continuing to report the account without validating the debt violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). If a 1099-C was issued, the debt is canceled for tax purposes, and reporting it as charged off is misleading and damaging. 

I also contacted XXXX, and instead of addressing the dispute, they deflected me to another agency without resolving the matter. 

I am requesting immediate deletion of this account from all credit bureaus or for XXXX to provide full and proper validation, including the signed contract and payment breakdown. 

I am attaching dispute letters, responses from the bureaus, and XXXX  response. I request this be treated as a formal violation of the FCRA and that XXXX and the credit bureaus be held accountable for continued reporting without investigation or proof.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Chrysler Capital is not reporting monthly payments to my credit report. The last time they reported any payment on my credit report was in XX/XX/year>. This is effecting my credit score which needs to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint to formally request that the CFPB investigate Experian and TransUnion for continuing to report a negative account from XXXX XXXX that has already been deleted by XXXX  due to failure to verify. 

This discrepancy violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain accurate and consistent data across all consumer files. 

Reasons for Complaint : XXXX deleted the account, confirming it could not be verified. 
Experian and TransUnion continue to report it, showing a lack of consistency and compliance. 
The furnisher, XXXX XXXX, has likely failed to provide verifiable documentation. 
The continued reporting has caused unjust damage to my credit profile and score. 
I have attached a copy of my XXXX report showing that this account has been removed. I am requesting that : The CFPB investigate Experian and TransUnion for non-compliance with the FCRA. 
The inaccurate account be immediately deleted from my credit files. 
I receive a written response within 30 days, as required by federal law. 
This issue is affecting my ability to obtain credit and causing financial harm. I ask that the CFPB take swift action to hold these credit reporting agencies accountable. 

Companies Involved : Experian TransUnion

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 2025-07-26 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-26 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$6700.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6600.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5400.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$4900.00}

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 2025-07-26 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XX/XX/2023, an account with XXXX XXXX  ( credit card ) was reported as charged off. Since that time, the account 's payment history has been repeatedly updated on a monthly basis with new " charged off '' entries. 

A charged-off account should not have an active, ongoing payment history. These continuous updates are inaccurate and create a false impression of activity on the account, which could potentially manipulate the statute of limitations. This misrepresentation of information is a violation of my rights.

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 2025-07-26 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: CT

Complaint narrative:
In XX/XX/year>, an account with XXXX XXXX ( credit card ) was reported as charged off. Since that time, the account 's payment history has been repeatedly updated on a monthly basis with new " charged off '' entries. 

A charged-off account should not have an active, ongoing payment history. These continuous updates are inaccurate and create a false impression of activity on the account, which could potentially manipulate the statute of limitations. This misrepresentation of information is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported by GM Financial on my credit report. 

The information listed does not accurately reflect the date of repossession. My vehicle was repossessed in XX/XX/year>, yet the dates reported on my credit file do not align with this. This is a serious error that negatively affects my credit profile and violates the accuracy requirements under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I never received a repossession notice, final billing statement, or documentation detailing : The total amount owed The sale or auction price of the vehicle Any balance after sale How the debt was calculated Because of the lack of proper communication and documentation, I am unable to verify the accuracy of this account. I am requesting that you either correct the dates and verify all details with GM Financial, or remove this account entirely from my report if it can not be verified in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
XXXX being denied lines of credit small loans and virtual lines of credit also having trouble recieving legitimate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-26 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-26 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: CA

Complaint narrative:
I submitted a formal dispute to Equifax regarding a fraudulent account that does not belong to me. I also provided a valid FTC Identity Theft Report as supporting documentation. Despite this, Equifax has failed to remove the account from my credit file. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block fraudulent information once identity theft is reported and documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: NV

Complaint narrative:
TrueAccord sent nine emails between XX/XX/XXXX to XX/XX/year>, claiming authority to collect {$2300.00} on an allegedXX/XX/XXXX account without providing the required debt validation notice within five days of initial communication, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). No assignment documentation was provided to establish their legal authority to collect on a charged-off debt. Each communication also failed to include the required disclosure identifying the sender as a debt collector, violating FDCPA 1692e ( 11 ).

Additionally, TrueAccords continued collection activity without substantiating ownership or providing a chain of assignment, raises questions about its compliance with FDCPA 1692e ( 2 ) ( A ) ( false representation of the character, amount, or legal status of any debt ). My credit report lists this account as charged off, yet TrueAccord has engaged in systematic collection efforts without verifying their standing. Despite a formal request for validation and proof of assignment, the company ignored federal disclosure and documentation requirements and continued its collection activity without proper legal authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this formal complaint concerning the presence of multiple unauthorized hard credit inquiries currently being reported under my name by various entities. I did not authorize these inquiries, nor have I ever conducted any business, submitted any applications, or provided consent to the listed companies to access my consumer credit report. 

After reviewing my credit file and verifying my records, I determined that these inquiries are a result of identity theft. I have taken the appropriate steps, including filing an FTC Identity Theft Report ( Report XXXX XXXXXXXX ), but despite my efforts to contact the credit bureaus and the individual creditors directly, these inquiries remain unresolved and continue to harm my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ), no person or entity may access a consumers credit report without a permissible purpose and without the consumers knowledge and authorization. Furthermore, under the Metro 2 reporting guidelines ( Inquiry Only Static Reporting ), these entries must not remain if they are unverifiable, unauthorized, and linked to identity theft. 

The following inquiries were made without my consent and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries are not associated with any application or account I initiated, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
I submitted a dispute to TransUnion, along with a valid FTC Identity Theft Report, regarding an account that I did not open and that is a result of identity theft. TransUnion has continued to report the account on my credit file, despite having the required documentation. This failure to act violates my rights under federal law and is causing ongoing harm to my 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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year>2025, a charge of {$160.00} was placed on my PayPal Credit account by XXXX XXXX XXXX XXXX XXXX ). This charge was for an exam I was previously denied access to, and for which I never received a refund or an opportunity to retake. 
I had already filed a dispute on the original transaction in XX/XX/year>2025 and received a letter from PayPal Credit dated XX/XX/year>2025, stating that a credit had been applied and related fees were removed. The letter gave no indication that this was a temporary credit. 
Despite this, PayPal Credit allowed XXXX to rebill me on XX/XX/year>2025, without notifying me and without my authorization. This rebill occurred after a completed dispute and was handled entirely outside of my knowledge. 

I have provided documentation showing : - I never completed the test - No test results or services were delivered - The original chargeback was acknowledged by XXXX - The rebill was unauthorized and not communicated to me in advance I believe this rebill is improper and violates my rights under the Fair Credit Billing Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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 formally filing a complaint the reporting and or access of certain information on my credit report pursuant to Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ). This section of the law explicitly states.

Upon review of my credit report, I have found that certain parties may have obtained or used my consumer report without a permissible purpose as defined by FCRA. This is a direct violation of federal law. 
The following entry or entries are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure XXXX XXXX  accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not XXXX XXXX correct and i demand them to be investigated completely.

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