vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX XXXX  XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-08-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX XXXX  XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AL

Complaint narrative:
On XX/XX/year>, I filed a formal dispute with the credit bureau regarding multiple inaccurate accounts on my credit report. While one account was removed, the following remain despite being unverifiable and reported incorrectly : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( multiple accounts ) I specifically requested that the bureau provide all documentation used to verify these accounts, including payment history, account status, and balance details from the furnishers. This information was never provided. 

This failure to fully and reasonably reinvestigate violates the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy. 

The continued inaccurate reporting of these accounts is directly harming my creditworthiness, impacting my ability to obtain credit and housing, and causing financial harm. This is now a repeated violation, and I am documenting this pattern of noncompliance for potential escalation to the Federal Trade Commission and my state Attorney General. 

I demand the immediate deletion of the above accounts from all of my credit reports, along with written confirmation of their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: OneMain Finance Corporation
State: UT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and constitutes the reporting of false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is causing significant and ongoing harm.

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 2025-08-14 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
This letter serves as a formal dispute and demand for immediate deletion of the above-referenced account from my Equifax credit report, pursuant to the Fair Credit Reporting Act ( FCRA ). 

I recently received a response from XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB Complaint # XXXX ), in which XXXX stated they are not the appropriate company to address your issue and confirmed they have no relationship with this account. 

Further, the Equifax report falsely shows this account with a redeemed repossession remark under XXXX name. There was never any redeemed repossession by XXXX XXXX XXXX. The account was originated by XXXX XXXX XXXX, not XXXX, and Experian and XXXX correctly reflect this. My signed loan contract, enclosed, proves the lender was XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, CA. 

Enclosed is : XXXX CFPB response confirming they are not the furnisher. 

My signed loan contract showing XXXX XXXX XXXX as the lender. 

Evidence from Experian and XXXX  showing accurate furnisher reporting. 

Equifaxs report showing incorrect furnisher name and false redeemed repossession status. 

Violations : FCRA 1681e ( b ) Equifax must follow reasonable procedures to assure maximum possible accuracy. Listing XXXX as the furnisher and assigning a redeemed repossession status is inaccurate and misleading. 

FCRA 1681i ( a ) ( 1 ) & ( a ) ( 5 ) ( A ) If Equifax verified this account using XXXX, the reinvestigation was unreasonable and relied on an entity with no account information, requiring deletion. 

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) I am entitled to the method of verification, including the name, address, and contact information of the furnisher used in the verification process.

Potential FCRA XXXX ( b ) violation If XXXX furnished data to Equifax without a valid account or repossession record, this is improper furnishing. 

Required Action : Immediately delete this account from my Equifax credit file or correct the furnisher identity to accurately reflect XXXX XXXX XXXX and remove the false redeemed repossession remark. 

Provide written confirmation of deletion or correction. 

Provide the full method of verification, including whether the account was verified via e-Oscar or direct manual contact, and the date of such verification. 

If Equifax fails to comply within 15 days, I will consider this continued reporting to be willful noncompliance under FCRA 616 and 617 and will pursue all available legal remedies, including statutory damages, actual damages, attorneys fees, and costs.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In the past months, I have submitted multiple disputes to XXXX  regarding inaccurate accounts that do not belong to me, including : Synchrony Bank Verizon XXXX XXXX XXXX These accounts are the result of identity theft and/or contain inaccurate information. 
Despite following the dispute process outlined in the Fair Credit Reporting Act ( FCRA ) and providing the necessary details, XXXX  has " verified '' the accounts without providing any documentation or proof of validation. 
I have already sent written disputes, including a second-round dispute letter, but these accounts remain on my credit report. 
This failure to remove unverified and inaccurate information violates my rights under the FCRA, which requires credit reporting agencies to conduct a reasonable investigation and delete any 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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am filing a formal complaint regarding a collection account reported by Jefferson Capital Systems LLC. I have no knowledge of this company and no records of ever entering into any agreement or contract with them. I have never signed any document or authorized any account with Jefferson Capital Systems LLC. This account is unknown to me and I dispute its validity. 
Under the Fair Debt Collection Practices Act FDCPA 15 USC 1692g Section 809 ( a ) I have the right to request full debt validation. This requires the debt collector to provide documentation proving that I am legally obligated to pay this debt including a copy of the original signed agreement and a complete payment history. To date I have received no such proof. 
By continuing to report this account without providing validation Jefferson Capital Systems LLC is in violation of FDCPA 15 USC 1692e which prohibits false deceptive or misleading representations as well as FDCPA 15 USC 1692f which prohibits unfair or unconscionable means to collect any debt. Reporting unverifiable information to the credit bureaus also violates the Fair Credit Reporting Act FCRA 15 USC 1681s-2 ( a ) which prohibits the reporting of inaccurate information.

I am requesting that the Consumer Financial Protection Bureau investigate this matter immediately. I am also requesting that Jefferson Capital Systems LLC cease all collection activity and remove this account from my credit reports unless and until full legal validation of the alleged debt is provided to me in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 case number XXXX, XXXX 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 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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

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 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Field Rep for XXXX came by ; I signed up for internet only. Technician came by XX/XX/XXXX  install equipment, tested it he stated it was working. Ten minutes later it logged me out and I had to log in again, This happened about 5 times before I called XXXX rep and he tried to see what the problem was. It went out on him a couple of times while we were on the phone. He mentioned the connection may not be stable in my area. I was transferred several times, also was disconnected once. It was frustrating. So, I called back and requested a return label. The rep sent it to my email and I returned the equipment thru XXXX on Monday XX/XX/. Got a bill in the mail few the weeks later stating I owe {$200.00}. So, I called XXXX spoke with a manager and she stated I there wasn't anything that can be done. I received a couple more letter from XXXX after that and then received a letter from Credit Collection Services on XX/XX/XXXX  with the same amount {$200.00} requesting that I pay. Sent a Formal Notice, Demand and Challenge of Validation of Alleged Debt to Credit Collection Services. They ignored everything that was requested and returned a computer printout of how they came up with the amount of the alleged debt. Then, I received a second notice on XX/XX/XXXX  " Stating this notice will serve as a Credit Reporting Alert ''. So, I responded with a Notice of Fault and Opportunity to Cure requested the documents in 3 business days. If not received I will contact CFPB, FTC, and Office of the Attorney General in both states. Seek legal proceeding to recover statutory damages under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o plus actual damages, attorneys fees, and costs : and seek all other available remedies under federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
Before I could obtain a XXXX  from XXXX XXXX the school was shut down with no warning was not able to start. Because the school was an uncredited school. I was not able to receive any type of hours or credit from the school. I tried to reach out but federal aid they told me the loan would be removed from y credit but was never forgiven or removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining billing errors outlined in 15 usc code 1666 b under the billing error category. The creditors failure to accurately reflect a payment made by the obligator or credit issued to the obligator on a statement. A computation error or similar according error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regrading the linked account. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment resulting in an erroneous designation as late a sign of an invoicing error therefore. I humbly request that the subsequent enters be promptly undated on my credit report the status as paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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