vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am submitting this follow-up complaint after reviewing my credit report and identifying multiple entries that do not accurately reflect my financial history. These inaccuracies are deeply concerning as they create a misleading impression of my creditworthiness and violate the protections afforded to me under the Fair Credit Reporting Act. 
Several accounts are being reported as late or closed despite carrying no balance. Specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reporting late payments that do not align with my actual payment history. Under FCRA 607.b 15 U.S.C. 1681e.b, FCRA 623.a.2 15 U.S.C. 1681s-2.a.2, and FCRA 611.a 15 U.S.C. 1681i.a, all information must be accurate, verifiable, and fair. 
I also observed a charge-off incorrectly reported despite a XXXX balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ) * *. This entry is misleading and harmful, and in accordance with FCRA 611.a 15 U.S.C. 1681i.a and 605B 15 U.S.C. 1681c-2, I am requesting its removal. 
Several collections are also inaccurately reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ) * * and XXXX/ Original Creditor : XXXX XXXX XXXX XXXX ( Acct : XXXX, Balance Owed : {$0.00} ) * * do not reflect my obligations. Under FCRA 605B 15 U.S.C. 1681c-2, unverified or fraudulent collections must be removed from my file. 
Finally, my report contains numerous inquiries for which I did not provide consent. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are unauthorized and violate FCRA 619 15 U.S.C. 1681q and FCRA 604.a 15 U.S.C. 1681b.a, which require that inquiries be authorized and permissible..

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This item is not mine and I have no knowledge of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: OneMain Finance Corporation
State: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I submitted a request via XXXX XXXX XXXX XXXX  to request validation fro LVNV Lending and was advised that the debt is correct, I have not received any proper validation or proof that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BRCLYSBANKDE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BRCLYSBANKDE XXXXXXXX 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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I. REQUEST FOR DOCUMENTATION Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and applicable federal law, I am formally requesting the following documentation to validate the alleged debt : Complete Chain of Title / Chain of Custody from the original creditor to Hunter Warfield, including all intermediate assignments. 

Forward Flow Agreement or equivalent agreement governing the sale or transfer of the account.

Executed Contract of Assignment or Bill of Sale demonstrating that Hunter Warfield acquired full legal rights to enforce the account.

Original Signed Credit Agreement and full account-level documentation substantiating the amount and terms of the alleged obligation.

Service Agreement or equivalent agreement establishing the authority of Hunter Warfield to collect on the account.

II. LEGAL AUTHORITY This demand is supported by Green v. Portfolio Recovery Associates , LLC, XXXX WL 1736584 ( N.D. Ill. XXXX XXXX, which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court made clear that a mere data printout or internal record is inadequate ; proper documentation of assignment and ownership is mandatory.

III. NOTICE OF POTENTIAL VIOLATIONS If the above documentation is not provided through this CFPB process and Hunter Warfield continues to report this account to credit bureaus or engage in collection activity, such conduct will constitute willful violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

You are further directed to cease all collection efforts, cease all direct communication, and cease all indirect communication, including reporting to any credit bureau, as such reporting constitutes a medium of communication under the FDCPA. 

IV. FINAL NOTICE AND INTENT Consider this letter my final notice. If full compliance with the law is not achieved, I intend to initiate litigation in federal court for all applicable claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
My student loans have changed hands several times. In doing so there seems to be an increase in interest, terms and overall balances. I do not understand how the balance keeps growing and the amounts are astronomical. I have requested documentation and original promissory notes to better understand balances and how we have arrived at the amounts. There is no accurate reflection of balances. There have been multiple changes, security breaches and miscommunication regarding status and payment plans. The forebearance options have been applied and removed at random causing a double digit fico score drop randomly. In speaking to a representative I have been told it would be researched and nothing happens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: OK

Complaint narrative:
I am submitting this as continuing correspondence and additional information to my recent dispute regarding the XXXX personal installment closed-end loan # XXXX. The reporting by XXXX contains a blatant factual impossibility : their letter claims a debt validation notice was sent to me on XX/XX/year>, yet this loan was not originated until [ insert exact loan origination date ], nearly XXXX years later. 

Because the loan did not exist at the time they claim to have sent notice, the account is invalid, unverifiable, and entirely inaccurate. XXXX can not provide any legitimate proof of this account prior to its actual origination, and their repeated e-OSCAR confirmations or CFPB responses do not change this fact. 

I am demanding that you immediately delete this account from my credit report. Its continued presence is a violation of the Fair Credit Reporting Act, and this submission is additional information demonstrating the accounts inaccuracy. 

Failure to promptly delete this account will leave me no choice but to escalate this matter through the CFPB and pursue all available legal remedies.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NC

Complaint narrative:
Dear Customer Service, On XX/XX/year>, a fraudulent transaction of {$450.00} was charged to my Discover Card through the XXXX XXXX using XXXX XXXX I did not authorize or make this payment. 

I contacted Discover Customer Service on XX/XX/year> to dispute this charge. Following your investigation, I was informed that Discover has concluded I made the transaction. I strongly disagree with this outcome and am requesting a proper reinvestigation. 

For reference, I am enclosing my XXXX and XX/XX/year> Discover Card statements : On XX/XX/year>, I made a legitimate XXXXXXXX XXXX  transaction of {$16.00}. 

However, on XX/XX/year>, the charge of {$450.00} to the XXXX XXXX via XXXX XXXX was not made by me. You can compare the description of my XXXXXXXX XXXX from both the statements. 

I would like to emphasize that : I have never downloaded the XXXX XXXX 
I have not made any transactions to XXXX  through my XXXX XXXX account. 
The disputed charge is unauthorized and fraudulent. 
Also I could not find any transaction history for XXXX  from my XXXX pay account. 

I am also enclosing the dispute email I raised with Discover on XX/XX/year> for your review. 

I respectfully request that Discover conduct a thorough reinvestigation of this matter and issue a credit of {$450.00} to my account for the fraudulent charge. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Trade, Inc.
State: AR

Complaint narrative:
I am disputing a collection account reported by Commercial Trade , Inc. for XXXX XXXX. This debt is inaccurate and should not be on my credit. 

I vacated the apartment on XX/XX/XXXX to move back in with family because XXXX left us jobless and without stable income. Despite this, XXXX XXXX billed me for XXXX, XXXX, and XX/XX/XXXX rent and late fees, plus cleaning charges, even though I no longer lived there. Under California law, a landlord must mitigate damages by re-renting, but XXXX made no effort. In fact, I referred two qualified tenants who were told no units were available. 

Both my wife ( XXXX XXXX ) and I sent multiple written disputes in XXXX with proof. I also told XXXX directly over the phone that I had disputed in writing. Despite this, XXXX and Commercial Trade never provided proper validation. Instead, they placed the account in collections. 

The original balance was {$1300.00} in XXXX, but it has since been inflated to over {$2000.00}. Commercial Trade even sent me copies of my ID marked in red pen with thats you instead of real proof. I disputed again through XXXX in XXXX, providing documentation, but TransUnion simply marked it verified as accurate without addressing the evidence. 

This account remains on my credit report, harming me and my wife. The reporting is false, inflated, and unverifiable, and both the creditor and collector have ignored their obligations under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ).

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it.

First Advantage ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts. 



2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents Collins v. Experian Information Solutions , Inc. ( 11th Cir. 2015 ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ).

Taylor v. First Advantage Background Services , Corp. : The plaintiff alleged that XXXX XXXX  willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
XXXX and XXXX, Per our conversation I would recommend filing a formal complaint on Planet Home Lending through the CFPB website. You will be able to file the complaint, provide attachments if you so choose, and how they can resolve your complaint. They are required by law to respond to you within 15 days. 

I have attached a copy of our original response letter dated XX/XX/XXXX that laid out the incorrect payoff received by Planet Home Lending. 

XXXX XXXX  received a request for a payoff good thru XXXX XX/XX/XXXX XXXX  provided payoff good thru XX/XX/XXXX ( see attached ) XXXX draw was paid out to you/contractor in the amount of {$23000.00} XXXX Funds received from Planet Home Lending in the amount of {$240000.00} I have also attached a revised payoff statement good thru XX/XX/XXXX for your records Let me know what else I can do to help, thanks I can attach the information in the documents section. I also s my an email stating that the payoff quote was not in the right amount. And sent what the right amount should have been. Also will be in the attached documents section

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX were fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In XXXX I purchased a mattress at XXXX XXXX using Synchrony Bank financing. The sales representative explained in detail that my account was set up for XXXX XXXX XXXX XXXX XXXX XXXX no-interest financing and personally helped me complete the application in-store. 

Since then, I have made the same automatic payment every month, on time, without missing once. 

However, in XX/XX/XXXX, I was charged a massive interest fee of over {$1600.00}, and since then I have been billed an additional {$65.00} {$70.00} in interest each month. I was never told about any XXXX or XXXX deadline that would cancel the promotion, and I was never notified when interest began accruing. 

I tried to dispute this online and by phone. I was told nothing could be done because of system limits or rules I had never been made aware of. On one call, the representative ultimately hung up on me. 

I believe this is a case of misrepresentation between XXXX XXXX and Synchrony Bank, who partner on these financing offers. I acted in good faith, paying every month as agreed, and I should not be penalized with thousands of dollars in hidden charges. 

I am requesting that Synchrony Bank : Remove and refund all improper interest charges. 

Correct my account to reflect the XXXX no-interest promotion I was promised at purchase.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation