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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove 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 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00}

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 2025-06-03 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX Account Dear TRANSUNION I am writing to formally dispute inaccurate information being reported on my credit file. I obtained a copy of my credit report and found an entry for an account reported under XXXX XXXX XXXX  with the account number ending in XXXX that I believe contains incorrect or inconsistent data. I am requesting that you investigate and correct or remove the following information as appropriate. 

Disputed Information : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Inconsistencies : The account is reported as Closed with TransUnion and Experian, but as Open with Equifax. 
The balance and past due amounts vary slightly between bureaus. 
There is an inconsistent payment status, listed as 120 days late by some and 180 days late by others. 
The date opened is listed as XX/XX/XXXX on two reports and XX/XX/XXXX on another. 

These discrepancies create confusion and may unfairly impact my creditworthiness. I request that your office conduct an investigation under the Fair Credit Reporting Act ( FCRA ), verify the accuracy of this account with the data furnisher ( XXXX XXXX XXXX XXXX, and update or delete the information as appropriate. Please send me written confirmation of the results of your investigation. 

I have attached a copy of my ID, a recent utility bill ( for address verification ), and a copy of the credit report with the account in question highlighted. 

Thank you for your prompt attention to this matter. 

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 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX Account Dear TRANSUNION I am writing to formally dispute inaccurate information being reported on my credit file. I obtained a copy of my credit report and found an entry for an account reported under XXXX XXXX XXXX  with the account number ending in XXXX that I believe contains incorrect or inconsistent data. I am requesting that you investigate and correct or remove the following information as appropriate. 

Disputed Information : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Inconsistencies : The account is reported as Closed with TransUnion and Experian, but as Open with Equifax. 
The balance and past due amounts vary slightly between bureaus. 
There is an inconsistent payment status, listed as 120 days late by some and 180 days late by others. 
The date opened is listed as XX/XX/XXXX on two reports and XX/XX/XXXX on another. 

These discrepancies create confusion and may unfairly impact my creditworthiness. I request that your office conduct an investigation under the Fair Credit Reporting Act ( FCRA ), verify the accuracy of this account with the data furnisher ( XXXX XXXX XXXX XXXX, and update or delete the information as appropriate. Please send me written confirmation of the results of your investigation. 

I have attached a copy of my ID, a recent utility bill ( for address verification ), and a copy of the credit report with the account in question highlighted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been making automatic payments to Synchrony for a Care Credit account for a XXXX  procedure XXXX  months ago.I had a balance of {$480.00} and because I was unaware that the automatic payments did not cover the balance before the promotional on XX/XX/XXXX I was charged a {$570.00} interest fee and a week later on XX/XX/XXXX I was charged an additional {$24.00} interest fee. This feels predatory. I requested the charge be removed and I pay the {$480.00} balance and I was told it was too late. Again this feels predatory. I have paid the balance of {$480.00} and I am disputing both finance charges totaling {$600.00}. Thank you.

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 — Account information incorrect
Company: Admin Recovery, LLC
State: NY

Complaint narrative:
I sent a Cease and Desist letter to Admin Recovery LLC on XX/XX/year>, via Certified Mail, requesting that all contact stop immediately. 

This debt had already been removed from my credit reports, and I was making voluntary payments & I CANT ANYMORE due to a medical hardship. 

THese XXXX  over @ admin recovery thye keep cbombarding my bank with ACH transfers even after i told them to stop via that certified letter .. aside form that folks.... 
I PAYED {$30.00} for an ACH stop payment and these people contoniuosly bombard my abnnk and now have me overdrawn... with over {$300.00} in my bank account {$300.00} + XXXX told htme to stop... and they keep processing payments even after me verblly telling thme certifying miling them and also ... having my bank charge me for an ach stop payment they keep hitting mybank account this is XXXX who do these peoiple think they are buying my debt for pennies on the dollar an d BULLYING ME INTO PAYING THEM .. mkaing me feel bad over the pohne .. demoralzing me DEMORALIZING MY MANHOOD AND EVEN my mself XXXX talking about '' when will u fix ur XXXX '' u have to pay .. we need ur XXXX u owe us this debt, u have to pay get up t date '' all those words and more this is absurd and anooying ... even after my XXXX XXXX XXXX XXXX, and my XXXX XXXXXXXX this XXXX XXXX!!! i have asked medical records for prove of all this but is tkaing longer than expected to arriev so i can scan it all ands ent it yo you people for now XXXX XXXX proof of the XXXX AND XXXX XXXXXXXX XXXX XXXX letter i speciificall ysent them..... 
This violates the FDCPA and disregards both my hardship and legal rights. 
I am requesting a full investigation and confirmation that no further contact will occur, and that my account is considered closed and resolved. 

Thank you. this is 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 2025-06-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Made payment thru their portal at XXXX XXXX XXXX XXXX Fl, after giving agent conf on payment she advised payment not found .. sent copy of paid receipt, paid XXXX Hospital copy of payment, this has been handed over to Harris and Harris, Ltd ( www.Harris collect.comXXXX 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This marks my XXXX  attempt to request the removal of a student loan account that I do not recognize. As required by consumer protection laws, I ask that you take immediate action to delete this account from my credit report.

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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a " car care '' credit account with Synchrony. I paid the balance off XX/XX/year> on Synchrony 's site- the site confirmed balance due, and I paid that amount. I assumed the loan was satisfied. I subsequently received notice XX/XX/year> that account had been reported to credit agencies as in " late pay '' status, due to interest accrued after payoff - although Synchrony had provided " courtesy '' reminders when payment was late while account carrier a balance, they made no effort to notify me of this accruing balance. 

The XXXX credit rating I've diligently worked to maintain was destroyed overnight, due to a {$9.00} balance.

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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding outdated, inaccurate, and unverified information appearing on my credit report. Despite my good faith efforts to resolve these issues, they have not been properly addressed. 
I am disputing the following negative accounts as inaccurate, unverifiable, or obsolete under FCRA Sections 1681e ( b ), 1681c, 1681i, and 1681s-2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Eviction reported since XXXX. This account should be removed under the XXXX reporting limit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No documentation provided. Utility collections must be verified under FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX Medical collection. Not validated. XXXX violate XXXX and FDCPA requirements. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Debt buyer accounts with no original contract proof. Chain of custody required under FCRA/FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged-off revolving account. Reported delinquency since XXXX. Should be excluded by XXXX. 
XXXX XXXX Account # : XXXX Charged-off installment. Delinquency began in XXXX over 6 years ago. Requesting deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX student and auto loan records showing derogatory history despite being paid or closed. XXXX exceed XXXX rule. 
These accounts have negatively affected my ability to obtain credit, housing, and employment. Ive experienced the following : Rejected for a car loan in XX/XX/XXXX Denied a rental lease due to eviction reporting Missed job opportunity in XXXX due to negative reporting I request the following : A full reinvestigation of every disputed item Removal of any unverifiable, re-aged, or obsolete information Written confirmation and delivery of a corrected credit report XXXX years of free credit monitoring Assurance that deleted data will not be reinserted without full legal compliance This is not a blanket dispute I am asserting my legal rights under federal law. If Equifax can not verify these items with original documentation, they must be permanently deleted. Thank you.

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 status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: NY

Complaint narrative:
Sentry Credit reported a {$1700.00} collection account to XXXX  and XXXX  without ever contacting me first, and without providing the legally required written notice or debt validation. I have requested debt validation in writing, but Sentry Credit has never responded. 

Timeline and Details : - XX/XX/year> Sentry Credit reported a collection account to XXXX  before any contact was made with me. 
- XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> I received phone calls from Sentry Credit. I did not answer the first XXXX, and I picked up the third call ( XX/XX/XXXX ), but they still failed to identify the debt or follow up with written documentation. 
- XX/XX/year> I sent a written dispute and debt validation request to Sentry Credits compliance email address, clearly requesting : - The name of the original creditor, - A detailed itemization of the amount, - Documentation showing XXXX legally responsible,- And proof of Sentry Credits authority to collect. 
- XX/XX/year> I sent a follow-up email, again requesting written validation. 
- As of XX/XX/year>, I have received no written response or documentation from Sentry Credit. 

Credit Bureau Disputes : XXXX  - XX/XX/year> First dispute submitted. I noted that no written validation was ever received. 
- XX/XX/year> Experian replied : Sentry Credit verified the debt as accurate. 
- XX/XX/year> Second dispute submitted with full documentation. 
- XX/XX/year> Experian again replied : Sentry Credit certified the debt as accurate. No further info provided. 
XXXX  - XX/XX/year> First dispute submitted. 
- XX/XX/year> TransUnion responded : Sentry Credit verified the debt as accurate. No documentation provided to me. 

Summary of Violations : XXXX. Reported debt on XX/XX/year>, without ever contacting me first, and without providing written notice within XXXX days of initial communication violation of FDCPA XXXX ( a ). 
XXXX. Reported the debt to credit bureaus before I was given an opportunity to dispute or receive validation violation of FDCPA XXXX ( b ). 
XXXX. Failed to provide any written validation of the debt, despite multiple requests. 
XXXX. Possibly failed to mark the account as disputed with the credit bureaus during their reporting FCRA XXXX ( a ) ( XXXX ). 
XXXX Credit bureaus continue to list a debt that can not be verified and was obtained through an unlawful process.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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