vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report, as I am a victim of identity theft. Upon reviewing my credit file, I have identified multiple accounts and inquiries that were not authorized by me. These items are inaccurate and do not belong to me. 

In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I hereby request that you block and remove all unauthorized accounts and inquiries from my credit file. Enclosed with this letter, I have provided a detailed list of the disputed items along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

I kindly ask that you take the necessary steps to investigate this matter and promptly delete the fraudulent information from my credit report. Please provide written confirmation once the corrections have been made. 

Thank you for your immediate attention to this urgent matter. I look forward to your swift response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX with account number XXXX. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CT

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

Company 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 2025-06-03 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: PA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was scheduled to have a series of dental work, and my dentist office offered me XXXX brochures for payment plans. XXXX was for Care Credit ( managed through Synchrony ), which I chose based on their offer to set autopay payments based on the XXXX  months, no interest if paid in full ( PIF ). I asked them specifically if it was on a rolling XXXX  months, and was told yes. I also asked if the autopay amounts were calculated by Care Credit to target to the PIF dates, and was told that the autopay payments would be calculated that way. 
On XX/XX/XXXX, I opened a Care Credit account to pay for dental bills. The initial amount was XXXX. 
I pay off my other credit card balances each month to avoid interest payments. For the Care Credit account, I was not concerned with interest due to the rolling XXXX  months of interest free and the autopay. 
Today, I was scheduling my other Synchrony credit card payments, and happened to notice that the amount due for CareCredit was {$7400.00}. I haven't charged to the card for a while, nothing that would bring the balance that high. When I clicked on the card to view the statement, I was shocked to see INTEREST FEES, in the hundreds/thousands of dollars! I called CareCredit, and spoke with an account rep, who led his responses to my questions with " I'm sorry for the confusion ... ''. He did tell me that my XXXX  months ended in XX/XX/XXXX. When I asked about the rolling XXXX  months as I was told when I opened the account, he again led with " I'm sorry for the confusion ... '' but did nothing to explain what happened. I asked to speak with a manager who could explain these issues to me and fix my account. At that point the phone line was still open, but no one was there. I said hello several times. Then held the line open longer, then I hung up. 
I went online and searched on Care Credit lawsuits and found info that directed me here. I had no idea that my card/payments were being mismanaged. 
I am appalled by this and would like guidance on how to dispute/resolve this issue. 
Thanks.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I spoke with a number of XXXX XXXX, the last one was XXXX, I explain that my husband passed away in XXXX and I was moving out of the house, in XXXX, Maryland. ( XXXX ( XXXX XXXX told me that when I found my new home, they would put the equipment in my new home free ). I asked them to come and pick up there equipment, they did so in XX/XX/XXXX. They tore up the ways taking the equipment out I had to pay the new owners {$500.00} extra to fix the damage. I moved into my new home in XXXX XXXX. I contacted XXXX, in XX/XX/XXXX, I was informed that they would put the equipment in, which took place in XX/XX/XXXX. XXXX, prior was upset and was trying to charge me for my husbands past account. Finally, that stop sending the bills, in my husbands name and put it in my name. I complain and they finally stop. Now XXXX has sent my name to the Credit Bureau, charging me {$1800.00}, they are reporting that I am delinquent and charging me {$88.00} a month. I never signed on with XXXX, this is Vivint partners, I told them I would pay them {$35.00} a month on a {$1500.00} equipment fee. I never agreed to pay them {$1800.00} and {$88.00} a month. I am a senior citizens ( XXXX ) years old, receiving {$1800.00} a month. I would have never agree to there terms. XXXX  is trying to over charge me for my husband debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was summoned to appear in court by LVNV on XXXX LVNV claimed that I owed a debt of XXXX, in which they attempted to sue me in small claims court where I live, with no calls or letters prior to the lawsuit that they would take legal action against me. 

After taking off of work in which I did not get paid to sit in a court office, the case was dismissed on XX/XX/23. After years of complaints to the CFPB, and Identitytheft.gov, LVNV failed to prove the debt was mine, and it never was.

Unfortunately, I do not have the time to sue LVNV for harassment and the wages I missed to appear in court. 

I have also provided proof of the lawsuit/dismissal by XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You are out of time for investigation. 
This is not a frivolous or duplicative complaint and should not be treated as such under any internal review policy. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and related federal consumer protection laws, the respondent is legally obligated to conduct a reasonable investigation and provide a substantive response to the specific allegations presented in full. This submission includes material claims of identity theft, inaccurate reporting, failure to validate debt ownership, and violations of both FCRA and FDCPA. The failure to fully read, review, and respond to this complaint in its entirety XXXX constitute further noncompliance and be used as evidence of willful disregard for federal law and consumer rights. 

See attached notice to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You are out of time for investigation. 
This is not a frivolous or duplicative complaint and should not be treated as such under any internal review policy. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and related federal consumer protection laws, the respondent is legally obligated to conduct a reasonable investigation and provide a substantive response to the specific allegations presented in full. This submission includes material claims of identity theft, inaccurate reporting, failure to validate debt ownership, and violations of both FCRA and FDCPA. The failure to fully read, review, and respond to this complaint in its entirety XXXX constitute further noncompliance and be used as evidence of willful disregard for federal law and consumer rights. 

See attached notice to file suit

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XX/XX/XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX separate occasions in XXXX, XXXX, and XXXX of 2025, I was charge for the Experian XXXX membership fee of {$31.00}. In the month of XXXX and XXXX, I was able to receive a refund because Experian has falsely authorized my payment method for the premium membership, despite me only ever authorized the basic ( {$0.00} ) plan. In XXXX, I asked to remove any history of my payment information to ensure this doesn't happen again. I checked my credit through Experian on XX/XX/year>, and ENSURED it was through the {$0.00} program. I NEVER re-entered in payment information. I was again charged on XX/XX/year> for the premium Experian despite being verified all payment information was deleted. Customer services refuses refund or system error. I have explained it is an error, that I had checked multiple times I was utilizing the basic program. Customer service refused to escalate my concerns as well as indicated my complaint is internal and will not escalate. I am deeply concerned with their quietly charging of consumers utilizing the free platform.

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 2025-06-03 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 submitted a written dispute to TransUnion on behalf of myself, XXXX XXXX XXXX, regarding an account on my credit file that I do not recognize and do not owe. My dispute included identifying details, specific account references, and a formal request under the Fair Credit Reporting Act ( XX/XX/XXXX ) for an investigation and verification of the account. 

Instead of conducting an investigation or responding to the merits of my dispute, TransUnion issued a generic stall letter dated XX/XX/year>, stating that I either did not submit sufficient information or that the request was submitted by an unauthorized third party. This is false and misleading. I personally signed and submitted the dispute using the proper format and provided all necessary documentation. 

The stall letter does not address the substance of my dispute, ignores my rights under FCRA to request a reasonable investigation, and effectively blocks me from receiving a fair review of inaccurate or unverifiable information on my report. This is not the first time I have received this type of response from 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
There were several attempts made since XXXX to correct the following : -Misspelling of my name -Incorrect address - Incorrect account information regarding student loans with XXXX individual accounts totaling the amount ( {$70000.00} ). 
-incorrect accounts of collections. 
Since the XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit report has reflected false information and to no avail has yet to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
There were several attempts made since 2023 to correct the following : -Misspelling of my name -Incorrect address - Incorrect account information regarding student loans with XXXX individual accounts totaling the amount ( {$70000.00} ). 
-incorrect accounts of collections. 
Since the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my credit report has reflected false information and to no avail has yet to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 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: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation