vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I bought clothing at XXXXXXXX XXXX  over the summer. I was enrolled in a TJX Rewards Program. I paid this off until XXXX. I stopped receiving mail relating to this program after XXXX. In XXXX, I was told I had two late payments. I went to make a payment, but was told I did not owe anything. 

My credit score dropped from XXXX to XXXX. I believe this is a mistake and very unethical on their part. I pay everything else off on time, including my credit card, mortgage, etc. I do not believe this should affect my credit score. I did not know I owed anything as I stopped receiving mail. How can I have two late payments on something that I do not owe and paid off? 

I would like this removed from my credit score entirely. I am looking at this through XXXX XXXX. I already filed disputes through XXXX  and XXXX. XXXX  did not resolve it.

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> To Whom It May Concern : Subject : Dispute of Debt Validation LVNV Funding LLC I am writing to formally dispute the validity of the debt reported by LVNV Funding LLC on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of this debt, which I have done. However, the information provided in response does not meet the legal requirements for validation. 

The details of the account in question are as follows : - Creditor Name : LVNV Funding LLC - Account NumberXXXX - Account Number : XXXX Reasons for Dispute : 1. Lack of Proper Validation : The documentation I received does not adequately validate the debt as required by the FDCPA. The information provided does not include sufficient details regarding the original creditor or the nature of the debt. 

2. Incorrect Reporting : LVNV Funding LLC is not the original creditor, and I believe this account is being reported inaccurately on my credit report.

3. Request for Removal : Under the provisions of the FCRA, I request that this collection account be removed from my credit report unless proper validation is provided.

Please investigate this matter and correct the inaccuracies in my credit report. I expect to receive confirmation of the results of your investigation within 30 days, as mandated by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX : XXXX Applicable U.S . Codes : 1. Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681 - Regulates how consumer credit information is collected, shared, and utilized. It gives consumers the right to dispute inaccurate information in their credit reports and mandates that credit reporting agencies investigate disputes. 

2. Consumer Financial Protection Act ( CFPA ) : - 2 U.S.C. 5481 * * - Established the CFPB and provides oversight of financial products and services, including debt collection practices.

3. Truth in Lending Act ( TILA ) : - 15 U.S.C. 1601- Focuses on disclosures related to credit terms and provides protections regarding the clarity of debt and terms owed.

4. Equal Credit Opportunity Act ( ECOA ) : - 15 U.S.C. 1691 - Prohibits discrimination in lending and credit practices, protecting consumers from unfair treatment in credit transactions.

5. Bankruptcy Code : - 11 U.S.C. - Provides protections for consumers regarding debt relief and the handling of debts when filing for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is concerning my attempts over the last 2 business days ( XX/XX/XXXX & XX/XX/XXXX ) at contacting Experian Credit Bureau. I could not create an account online and I tried 3 different browsers. I got as far as verifying my ID by use of a link through a text, then it would always say, " oops, we are having technical difficulties, please try again later ''. And then when I tried calling any of their posted phone numbers, I always got the same automated system that would not transfer me to a live agent. My credit report is frozen and I need it un-frozen for a 48 hour period. I eventually did speak to 3 people at Experian, but they either transferred me back to the automated system or told me that I had to send in a letter stating what I wanted with several forms of ID proof by snail mail. Or I could purchase a Premium membership as those people get " top '' priority. I will most likely loose the chance for a loan at my credit union due to Experian. I did not have any trouble with the other 2 credit bureau sites XXXX XXXX XXXX XXXX XXXX  ) and I was able to un-freeze my report with them for 48 hours. Experian is scam that frustrates members with automated systems until they buy a " Premium '' membership. They should have " live '' agents to answer the phone or at least have that option in the automated system. If I could remove my information with Experian, I would. 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-19 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 checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-19 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Disputed account with credit bureau. Account deleted from XXXX account needs to be deleted from all credit reporting accounts. The FDCPA requires debt collectors to provide a validation notice with details like the debt amount, creditor 's name, and how to dispute the debt. No such information has ever been provided.. This company is listed as the original creditor on my report. I have never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 am writing to report that I have been a victim of identity theft. I discovered that there are accounts appearing on my credit report that I did not open and have never used. Specifically : * XXXXXXXX XXXX XXXXe Account ending in XXXX, opened on XX/XX/XXXX, balance {$750.00} * XXXX  XXXX Account ending in XXXX, opened on XX/XX/XXXX, balance {$5100.00} These accounts are not mine and were opened without my knowledge or permission. I have never had any business relationship with XXXX or XXXX XXXX. I am requesting that these accounts be blocked and permanently removed from all of my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c2 ), I have the right to have information resulting from identity theft blocked from my credit file once I submit a valid identity theft report. 
This situation has caused me a lot of stress and is affecting my financial well-being. I ask the credit bureaus and all involved parties to take this seriously and assist in removing this false information from my file as soon as possible. 
Thank you for your time and help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
The accounts listed below are not mine and are do to identity theft 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute on XX/XX/XXXX to have the dept deleted and transunion representative made a mistake and they told me she coded it wrong and that nobody responded and this is causing me to not be able to get housing the I applied for some apartments in 2023 and I was denied they have as if I lived there and left with an outstanding balance tranunion was supposed to dispute this and it was done incorrectly they admitted it was a XXXX on transunion I need this deleted original is peaks landing

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 2025-05-19 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: NJ

Complaint narrative:
Subject : URGENT Dispute of Inaccurate Account Reporting XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as a * * formal and urgent dispute * * under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, regarding an account being reported by XXXX XXXX ( XXXX ) with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The reporting of this account contains multiple * * factual inaccuracies and inconsistencies * * that constitute a violation of FCRA regulations, including but not limited to : - The account is reported as both * * '' Charged Off '' * * and * * '' In Collections, '' * * which is contradictory and misleading. 
- The * * date of last activity * * is inconsistent across bureaus ( XX/XX/XXXXXXXX XXXX XXXX ). 
- A revolving credit card should not have a {$0.00} monthly payment if any balance is due another indication of erroneous data. 
- Different comments are listed for each bureau, including dispute resolved, reinvestigation in progress, and account assigned to attorney, which implies the data furnisher has not maintained consistent or verifiable records. 

These issues violate : - * * FCRA 1681e ( b ) * * Failure to maintain accurate and consistent data.
- * * FCRA 1681i * * Failure to conduct a reasonable investigation when a consumer disputes information.

- * * FCRA 1681s-2 ( b ) * * Furnishers of information failing to correct or delete inaccurate data after being notified of a dispute. 

* * I demand the IMMEDIATE removal of this account * * from my credit report Failure to comply with your obligations under the FCRA will result in formal complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * FTC * *, and * * State Attorney Generals Office * *. I reserve my right to pursue legal action for damages under

* * FCRA 616 and 617 * *. I have attached a copy of my government-issued ID and a utility bill for
verification. Please respond in writing within 30 days as required by law. 

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 2025-05-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filled out 4 dispute reports on Experian, for a collection debt that only appears in Exprian. They have not wanted to verify my information, the information from the collection agency. I have already contacted the collection agency and they do not have my personal information, they only have an old address where I lived, the name of the person they have is not me. I have already sent my ID to Experian so they can compare it with the one the collection agency has and they have not done so. They deny the dispute and that is affecting my economy and my life, because I can't ask for a loan. Please help me. Experian doesnt want to make any changes even though that collection debt it only appears to them.

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 2025-05-19 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-19 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-19 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: EdFinancial Services
State: MI

Complaint narrative:
I am filing this complaint against EdFinancial Services for reporting multiple student loan tradelines inaccurately to all three major credit bureaus ( XXXX XXXX XXXX XXXX  ). These tradelines show late payments of 120 to 150+ days that I believe are factually inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) and other federal credit laws. 

These accounts were in forbearance, deferment, or another protected repayment status, yet EdFinancial continued to report delinquencies, which is not permissible under 15 U.S.C. 1681e ( b ). This is a clear violation of their legal obligation to ensure maximum possible accuracy in credit reporting.

Additionally, EdFinancial has failed to comply with 15 U.S.C. 1681i by not providing verifiable proof such as signed promissory notes or accurate payment records to justify these negative marks. Under FCRA, unverifiable data must be deleted. These accounts also appear to report incorrect balances, statuses, and terms constituting materially misleading and damaging information.

I made a formal written request to EdFinancial to conduct a reinvestigation under 15 U.S.C. 1681s-2 ( b ), and to either provide original documentation or update the accounts to show Pays as Agreed or remove them entirely. I have not received proper verification or correction within the 30-day period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Account Citicards CBNA I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail with a receipt displaying my signature. If not please delete this account as soon as possible from my credit report or I will have to take legal action.

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 2025-05-19 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: IN

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and legal validity of several negative entries listed in my credit file dated XX/XX/year>, as reported by your agencies. These accounts contain factual inaccuracies, incomplete reporting, or unvalidated third-party collections in violation of : * * * Fair Credit Reporting Act ( FCRA ) * * 611 & 623 * * * Fair Debt Collection Practices Act ( FDCPA ) * * 807 & 809 * * * Metro 2 Credit Reporting Compliance Standards * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off with no listed charge-off date or terms ; not reported by Experian. 
Laws : FCRA 611, 623 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No charge-off documentation or clear payment history. 
Laws : FCRA 611, 623 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No documentation or chain of assignment ; unverifiable debt. 
Laws : FCRA 623 ; FDCPA 809 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No validation, no collection notices. 
Laws : FCRA 623 ; FDCPA 809 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No documentation or chain of ownership.

Laws : FCRA 623 ; FDCPA 809 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Only appears on TransUnion ; lacks creditor details or breakdown. 
Laws : FCRA 611, 623

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