vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I have contacted Trans union several times regarding this discover account and they refuse to verify that this XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX is inaccurate and past 7 years but they refuse to verify it or remove it. Also the XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and past 7 years. 
I have given them dates where they have started disputes then they tell me that the companies have verified it put they don't send me any proof from them or the companies.

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 2025-08-11 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year> I was notified by XXXX  that a credit enquiry appeared on my report from XXXX. I did not apply for any credit. I was on vacation so I didnt call XXXX until Monday XX/XX/XXXX. The fraud department there was looking into it. 
On XX/XX/XXXX I received another alert. This time from Synchrony/Lowes . Again I did not apply for this card. I spoke with someone at XXXX  and was told to freeze my credit reporting accounts, which I will do tomorrow. 
It is obvious someone has my 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
I disputed a debt reported by Eastern Revenue Inc to XXXX. The original amount was {$8700.00}, but the balance reported is now {$11000.00}. I requested validation of the debt, including proof of the original agreement and that they have the legal right to collect. The creditor certified to XXXX  that the information is accurate but did not provide me with any documentation or proof when I asked directly. XXXX  reviewed my dispute but did not remove or change the account. I believe this debt is inaccurate or inflated, and it is harming my credit unfairly. I have not made any payments because I am still waiting for proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-08-11 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit agencies were breached this would be like the 2nd or 3 time my accounts are breached I was also a part of the equifax data breached from a couple of years ago I had to file bankruptcy because of it and now the 3 bureaus were breached again I guess I'll never have a descent credits XXXX XXXX still get emails messages of accounts being g opened emails passwords being g changed etc and these people think I'm the badguy it's ridiculous I don't understand how or why I've had XXXX XXXX  my bank accounts used so.eone filed a tax return without my knowledge and the list goes on and I'm being looked at like the bad person XXXX XXXX XXXX and even my background check said something about me being g a fraud not secure if that's legal or not but I am talking to lawyers about it I've always worked ways been a XXXX of any ave I've worked at and if I've had those jobs if I was fraud won't I ha e done something illegal at those companies smhi try everyday to try and do what I can to I XXXX  my credit card something different pops up I feel like I'm being XXXX  something I think I've lost my mind this XXXX really drives you nuts well not really but I XXXX what to do I have no idea just had my social security card XXXX XXXX for the XXXX XXXX guess I needed to let it out but on a serious note can you ease.look k to this I'm homeless for 3 years now due to all this nonsense sorry for the inconvenience and 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit agencies were breached this would be like the 2nd or 3 time my accounts are breached I was also a part of the equifax data breached from a couple of years ago I had to file bankruptcy because of it and now the 3 bureaus were breached again I guess I'll never have a descent credits XXXX XXXX still get emails messages of accounts being g opened emails passwords being g changed etc and these people think I'm the badguy it's ridiculous I don't understand how or why I've had XXXX XXXX  my bank accounts used so.eone filed a tax return without my knowledge and the list goes on and I'm being looked at like the bad person XXXX XXXX XXXX and even my background check said something about me being g a fraud not secure if that's legal or not but I am talking to lawyers about it I've always worked ways been a XXXX of any ave I've worked at and if I've had those jobs if I was fraud won't I ha e done something illegal at those companies smhi try everyday to try and do what I can to I XXXX  my credit card something different pops up I feel like I'm being XXXX  something I think I've lost my mind this XXXX really drives you nuts well not really but I XXXX what to do I have no idea just had my social security card XXXX XXXX for the XXXX XXXX guess I needed to let it out but on a serious note can you ease.look k to this I'm homeless for 3 years now due to all this nonsense sorry for the inconvenience and 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 explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSC : XXXX D.O.B : XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX Request for Immediate Credit Reporting Correction To Whom It May Concern : I am writing to formally dispute and demand correction of an inaccurate late payment entry that your institution has furnished to the credit reporting agencies regarding my account, [ Account Number XXXX ] On XX/XX/XXXX, I made a payment on this account. Your internal records reflect that the payment was received and subsequently corrected in your system. Despite this correction, you failed to update the inaccurate 30-day late payment status you furnished to the credit reporting agencies. This inaction is causing unjustified damage to my credit profile and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), as a data furnisher, you are prohibited from reporting information that you know or have reasonable cause to believe is inaccurate. Additionally, 15 U.S.C. 1681s-2 ( b ) requires you to promptly investigate and correct any information that is found to be incomplete or inaccurate once you become aware of it.

Given that you have already acknowledged and corrected the payment in your own system, continued reporting of a 30-day late payment is a direct violation of the FCRA and is considered furnishing knowingly false information.

Demand : 1. Immediately update all credit reporting agencies ( Experian, Equifax, and TransUnion ) to reflect that there was no late payment for XX/XX/XXXX. 
2. Provide me with written confirmation that the update has been completed.

3. Cease and desist from furnishing any false or misleading information about this account in the future. 


If this matter is not corrected within 15 days of receipt of this letter, I will pursue all remedies available under the FCRA, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as initiating legal action for damages. 

I expect your prompt attention to this matter. Please send all correspondence to the address above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSC : XXXX D.O.B : XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX Request for Immediate Credit Reporting Correction To Whom It May Concern : I am writing to formally dispute and demand correction of an inaccurate late payment entry that your institution has furnished to the credit reporting agencies regarding my account, [ Account Number XXXX ] On XX/XX/XXXX, I made a payment on this account. Your internal records reflect that the payment was received and subsequently corrected in your system. Despite this correction, you failed to update the inaccurate 30-day late payment status you furnished to the credit reporting agencies. This inaction is causing unjustified damage to my credit profile and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), as a data furnisher, you are prohibited from reporting information that you know or have reasonable cause to believe is inaccurate. Additionally, 15 U.S.C. 1681s-2 ( b ) requires you to promptly investigate and correct any information that is found to be incomplete or inaccurate once you become aware of it.

Given that you have already acknowledged and corrected the payment in your own system, continued reporting of a 30-day late payment is a direct violation of the FCRA and is considered furnishing knowingly false information.

Demand : 1. Immediately update all credit reporting agencies ( Experian, Equifax, and TransUnion ) to reflect that there was no late payment for XX/XX/XXXX. 
2. Provide me with written confirmation that the update has been completed.

3. Cease and desist from furnishing any false or misleading information about this account in the future. 


If this matter is not corrected within 15 days of receipt of this letter, I will pursue all remedies available under the FCRA, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as initiating legal action for damages. 

I expect your prompt attention to this matter. Please send all correspondence to the address above. 

Sincerely, 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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Debt Validation Letter ( send to collection agency certified ) Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 

Please provide me with the following information : XXXX. State what the money you say I owe is for XXXX. How did you come to determine that amount XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number XXXX. Provide me with proof that the statute of limitations have not expired XXXX. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you, Sign Your Name in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX Balance : {$820.00} Open date XX/XX/XXXX Last activity XX/XX/XXXXXXXX  Payment history : XX/XX/XXXX XXXX 60 days XXXX XXXX XXXX Open date XX/XX/XXXXXXXX  Last activity XXXX XXXX, XXXX  Payment History : XX/XX/XXXX lates 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit inquiries that i did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX  {$390.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: CA

Complaint narrative:
I was alerted to a collection on my credit report from debt collector Tele recovery. I had no knowledge of the account and never received a collection letter. Upon asking the company provided an unknown address. This is a violation of XXXX XXXX compliance. All debts must be verified as a valid debt. Tele recovery run told me they would mail a letter after the collection was placed on my report. Once a consumer notified a debt is in dispute the collection report must cease and desist. 
Please remove this form my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Item was returned to the store and creditor was repaid and agreed to clear from account. Never did. They just kept blowing up my phone tryna get paid again after they was paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 am disputing inaccurate and misleading credit reporting of a closed, paid auto loan from XXXX XXXX XXXX XXXX ( Acct # XXXX * ). This account was paid in full on XX/XX/XXXX ( see attached payment confirmation and Paid in Full letter ). 

Despite this, Equifax and Experian continue to display Charge-Off ( CO ) notations in the payment history for XX/XX/XXXX and subsequent months. This is factually impossible and violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 

Additional violations : Metro 2 Reporting Guidelines require a charge-off to be reported only in the month it occurred ; continuous CO reporting month after month is re-aging and materially misleading. 
Equifax lists Last Activity as XX/XX/XXXX yet shows CO marks through XXXX factually inconsistent. 
Experian s

hows Paid account/was a charge-off but still lists CO marks well after payoff. I have previously disputed this directly
with the credit bureaus and the furnisher. These inaccuracies remain and continue to cause significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: UT

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have
not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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