vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding the inaccuracies in my credit report. Below are the accounts that I dispute across each of the XXXX credit bureaus, which I believe are incorrectly reported. I request that these items be investigated and corrected as appropriate. 

CHARGED OFF XXXX  Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX  Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX  Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} UNAUTHORIZED COLLECTION Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding the recent physical credit card that was mailed to me without my authorization. I previously opened an online PayPal credit account a couple of years ago, but I have never requested or consented to receiving a physical card. On XX/XX/XXXX, I received an email from PayPal stating that a credit card had been shipped to me, even though I never requested one. I received the physical credit card on XX/XX/XXXX. 

I am concerned about the following issues : 1. I did not authorize the issuance of this card.

2. I want to confirm that no new credit account was opened and that there was no hard inquiry on my credit reports.

3. I want to confirm that the card has not been activated by anyone and that no unauthorized charges have occurred.

Therefore, I request that PayPal : 1. Deactivate or cancel the mailed physical card immediately.

2. Provide written confirmation that no new account was opened and that no credit check ( hard pull ) was performed. 

3. Investigate why this card was issued without my consent and ensure this does not happen again. 

Please treat this as an urgent matter. I expect a written response confirming the above actions. 

Thank you for your assistance.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Experian failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am in the process of fixing my credit and have identified several inaccuracies that need to be addressed. Below are the accounts in dispute, separated by credit bureau. 

CHARGED OFF XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} INQUIRIES XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT XXXX  Account Number : XXXX XXXX  Account Number : 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 2025-11-26 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:
The disputed entry contains inaccuracies relating to my payment habits. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. I am in the process of fixing my credit and request that these items be investigated and corrected accordingly. Below are the details of the accounts I am disputing : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Late Payments XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end

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 2025-11-26 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: NY

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and preventing me from achieving financial stability and freedom. These inaccuracies continue to harm my credit score, and the ongoing impact has become overwhelming and unacceptable.

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 2025-11-26 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: IL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am not linked to these accounts and request their prompt removal within 15 days per the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I maintain no connection to these accounts and request deletion within 15 days as required.

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 2025-11-26 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: VA

Complaint narrative:
I am a consumer attempting to repair my credit and dispute the following accounts listed below. I kindly request that you review and investigate these items for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). Please find the details for each bureau separated below. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} UNAUTHORIZEDCOLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am submitting this formal request for REINVESTIGATION regarding the continued reporting of inaccurate, unverifiable, and unlawful information in my EXPERIAN consumer credit file. My report contains multiple entriesincluding accounts, derogatory remarks, and inquiriesthat violate my rights under federal law, Florida state law, and other applicable regulations. 

Violations Under Federal Law ( FCRA & Related Statutes ) FCRA 1681e ( b ) : EXPERIAN has failed to follow reasonable procedures to ensure maximum possible accuracy by continuing to report accounts and derogatory information that can not be properly verified.

FCRA 1681i ( a ) : EXPERIAN has not conducted proper REINVESTIGATIONS, as inaccurate and unsubstantiated information remains on my file despite prior disputes.

FCRA 1681s-2 ( b ) : EXPERIAN and the furnishers failed to correct or delete information that could not be verified.

FCRA 1681b ( f ) : My file contains unauthorized and excessive inquiries lacking a permissible purpose, constituting unlawful access to my consumer report.

Federal UDAP Standards : The publication of false, misleading, or incomplete credit information constitutes deceptive practices prohibited under federal consumer protection laws.

Violations Under Florida State Law Florida Deceptive and Unfair Trade Practices Act ( FDUTPA, Fla. Stat. 501.201 et seq. ) : Reporting false or unverifiable account information and inflated delinquencies constitutes unfair and deceptive practices affecting Florida consumers.

Florida Consumer Collection Practices Act ( FCCPA, Fla. Stat. 559.55 et seq. ) : By continuing to publish inaccurate collections data and misrepresenting the character of alleged debts, EXPERIAN has contributed to violations of this Act.

Defamation & Negligence : The continued publication of false credit information has caused reputational and financial harm. 

Specific Accounts Requiring REINVESTIGATION ( From Report Dated XX/XX/year> ) XXXX XXXX Reported with nine late payments without adequate or verifiable documentation supporting accuracy. 

XXXX  XXXX BANK XXXX  Shows XXXX late payments, past-due balances, and derogatory remarks that remain despite prior disputes. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) Reported as a collection account for {$420.00} without proper validation or substantiation, resulting in ongoing negative impact.

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I set up an autopay at Bank of America for my credit card payment. When the autopay time arrived, Bank of America did not complete the payment. Then they charged me a {$29.00} late fee and ruined my credit by posting that I was late. I did everything I was supposed to do, but Bank of America failed to do its contractual obligation to debit my account for the fee. This is not my fault. I should not be charged a late fee, nor should my account reflect a late payment.

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