vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of a falsely reported charged-off account that is currently listed on my credit report. You are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of any item of information.

15 U.S.C. 1681g, which entitles me to a full file disclosure, including the sources and supporting documentation of any reported account.

The account in question has been marked as charged off, yet you ( or the original creditor/debt collector ) have failed to provide a 1099-C cancellation of debt form, which is legally required for tax purposes if the debt was truly forgiven or discharged. I specifically requested this form, and you confirmed that you do not have itwhich is clear evidence that this debt has not been charged off, or the charge-off is not properly documented. 

Therefore, you are reporting inaccurate and unverifiable information, which is a direct violation of the FCRA. This is not only misleading, but it is materially harming my credit profile, my ability to consolidate my debts, and my overall financial wellbeing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp
State: TX

Complaint narrative:
Last year, I had to go to XXXX XXXX XXXX in XXXX, TX to have my XXXX XXXX XXXX XXXX I was experiencing. I did not have insurance at the time but did file to have the hospital 's free insurance they offered to pay for some of what I owed. My husband and I paid off the XXXX fine, we paid for part and then insurance paid for the rest. XXXX XXXX XXXX neglected their responsibilities to inform me that one of the doctors I had seen would have their charge from an entirely different group called XXXX XXXX XXXX. The total amount was {$1100.00} exactly. After we had left the XXXX XXXX XXXX XXXX never reached out to me about this bill either by calling, by mailing address nor by email. 

I only found out I owed anything because I had seen where a charge had gone to collections which impacted my credit score. There was never any communication either verbal or written from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that I had owed any money prior to it going to collections. 

After I became aware that this bill had already gone to collections and affected my credit score, I disputed it through XXXX and received a letter yesterday on XX/XX/year> from CAC XXXX XXXX stating that they had not had adequate time to fulfill their investigation so they were sending my bill back to XXXX XXXX XXXX. That letter is the only written proof I have that anything about this bill is legit and I will be uploading that letter here today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted a formal dispute to all three credit reporting agencies concerning a charged-off XXXX XXXX account ( Account # : XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX or XX/XX/XXXX depending on bureau ). The reporting of this account is factually inconsistent and contains multiple FCRA violations.

Identified Violations : 607 ( b ) : Failure to ensure maximum possible accuracy The " Date of Last Activity '' differs between CRAs : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Payment histories and account classifications are inconsistent Example : " Charge Card '' on Experian vs. " Revolving '' elsewhere Date Opened is also reported inconsistently between TransUnion and the other two CRAs 623 ( a ) ( 3 ) : Failure to reflect disputed status Experian reflects a past dispute ( Dispute resolved consumer disagrees ), but Equifax and TransUnion do not, which violates the requirement to clearly indicate any disputed status across all CRAs.

611 : Failure to reinvestigate Despite having disputed this account previously, the reporting remains inaccurate and contradictory with no clear corrective action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I made an early payment of {$12000.00} to my Amazon Store Card issued by Synchrony Bank. Instead of applying the payment to my account, Synchrony closed the account without notice and withheld the funds.

After multiple attempts to resolve the issue through customer service, I received a partial refund check on XX/XX/year>. However, as of today, XX/XX/year>, Synchrony still owes me {$3000.00} with no explanation or timeline for repayment.

Their customer service and internal escalation teams have been unresponsive and unhelpful, causing ongoing financial disruption. I am requesting the immediate refund of the remaining amount and a clear explanation for the account closure and withholding of funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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 recently reviewed my credit report and notice and account that was not reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NJ

Complaint narrative:
I recently reviewed my credit report and notice and account that was not reporting accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
PLEASE REMOVE ALL COLLECTIONS CHARGE-OFFS AND LATE PAYMENTS NEGATIVELY IMPACTING MY CREDIT PROFILE PERMANENTLY UTILIZING FCRA SECTION 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE REMOVE ALL COLLECTIONS CHARGE-OFFS AND LATE PAYMENTS NEGATIVELY IMPACTING MY CREDIT PROFILE PERMANENTLY UTILIZING FCRA SECTION 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: PR

Complaint narrative:
I am disputing the following account on my credit report : Creditor : XXXX XXXX / XXXX Account Status : Closed ( Charge-off ) Reported Balance : {$3800.00} This account is inaccurately reported as a charge-off despite being closed for over 120 days, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). The FCRA requires that information reported to credit bureaus must be complete, accurate, and not misleading. 

Specifically : Outdated Derogatory Status : The account was closed on XX/XX/year> ( per TransUnion ), yet it continues to report as a charge-off, making it appear newer than it is. 

Inconsistent Payment History : Equifax reports 5 % on-time payments, while TransUnion reports 7 %, indicating discrepancies. 

Duplicate Remarks : TransUnion lists " Profit and loss write-off '' twice, suggesting erroneous reporting. 

I request that this account be removed entirely from my credit report due to these inaccuracies. If the account can not be verified as accurate under FCRA 1681i ( a ), it must be deleted. 

Please investigate and correct this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I reviewed my Experian credit report ( dated XXXX XX/XX/XXXX ) and found XXXX tradelines that contain errors or duplicated derogatory coding : Auto loan ( opened XXXX XX/XX/XXXX, balance originally {$15000.00} ) Vehicle was surrendered and the debt was fully XXXX in XXXX  XXXX on XXXX XX/XX/XXXX. 
Experian still shows the loan as XXXX {$11000.00} / {$9300.00} past-due and adds a new XXXX  code every month through XX/XX/XXXX. 
XXXX XX/XX/XXXX I mailed Experian a dispute plus the bankruptcy discharge. No change so far. 

Unsecured loan ( opened XXXX XX/XX/XXXX, principal {$3000.00} ) Experian reports a charge-off of $ XXXX than the original balanceand still lists a past-due amount after the charge-off. 
XXXX XX/XX/XXXX I disputed the inflated figure ; lender has not provided any fee/interest breakdown. 

Auto loan sold to a debt-buyer ( sold XXXX XX/XX/XXXX ) Both the original lender and the collection agency now report the same debt. 
The original lender still shows XXXXXXXX XXXX codes even though its balance is {$0.00}, causing a duplicate derogatory entry. 
XXXX XXXX XXXX I asked Experian to delete the duplicate or remove the repeated XXXX  months ; no correction yet. 

Credit-card account ( opened XXXX XX/XX/XXXX, limit {$600.00} ) Experian lists {$93.00} past-due and a XXXX late for XXXX XXXX despite payments of {$130.00} on XXXX XX/XX/XXXX and {$170.00} on XXXX XX/XX/XXXX that should have cured the delinquency. 
XXXX XX/XX/XXXX I uploaded bank payment confirmations ; Experian response was verifiedno change. 

Impact : These inaccuracies keep a discharged debt active, inflate past-due balances, re-age charge-offs, and duplicate the same defaultlowering my score and raising borrowing costs. 

Requested resolution : Delete or correct any balance, past-due figure, late-payment code, or duplicate charge-off that the furnishers can not verify with contemporaneous records. 

Update the surrendered auto loan to {$0.00} included in XXXX  XXXX bankruptcy ( XXXX XXXX XX/XX/XXXX ). 

Provide a written reinvestigation result and an updated credit report reflecting the corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Columbia Debt recovery has continuously put fraudulent rental debt on my credit. I have disputed this debt numerous times. Showing I have never lived at or applied to any of the property listed on my credit. There are XXXX properties there are for {$200.00}, {$330.00}, and {$150.00}. These need to be removed from my credit within the next week. As I will follow through with a lawsuit. I have not received a response with any proof of validation of debt. Because I never made these charges. Please remove as fast as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since they state a charge off I request to receive 1099 tax form to allow me to file to IRS. They ignored and continue to remained as open account with missed payments. Also after filing a dispute they remove from TransUnion on to XXXX  filing detrimental negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I contacted these creditors requesting a copy of a title and or a signed contract and did not receive the requested verifications to these debts. These items are not mine and should be removed, as I am a victim of XXXX XXXX XXXX XXXX, and my identity was previously stolen. 



Exeter Finance Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$340.00} Further the below student loan debt is part of my approved FASFA PSLF student loan forgiveness program. These debts were forgiven and removed previously, but were sold without my knowledge and placed on my credit report. I want these items removed per my PSLF approval. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: HI

Complaint narrative:
I started treatment with XXXX in XX/XX/XXXX using my passport, as I did not have a Social Security Number ( SSN ) at the time. After several months with no visible results and long gaps without receiving aligners, I requested the cancellation of my treatment and communicated that I did not wish to continue paying for a service I was not receiving. 

On XX/XX/XXXX, XXXX filed for bankruptcy. After that, I received emails from XXXX XXXX XXXX ( XXXX ) stating that they had taken over financial responsibilities and that XXXX was no longer handling anything. I informed XXXX that I had not received any aligners or services for months and asked them to cancel my account and stop charging me. However, they refused and continued sending payment requests. 

In XX/XX/XXXX, XXXX offered me a full balance waiver of {$1100.00}, contingent upon signing a General Release form. I accepted in writing and followed up multiple times, including on XX/XX/XXXX, but they never sent the form. 

Despite all this, the debt was sent to TekCollect, and on XX/XX/XXXX, a charge-off/collection derogatory was reported on my credit history under : Original lender : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX. 

The collection entry incorrectly links this debt to my SSN, even though I never provided an SSN when I initiated treatment. 

This situation has severely impacted my credit score and caused me financial harm. I am requesting the immediate removal of this collection from my credit report, cessation of all collection activity, and written confirmation that this matter is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
In XXXX, XXXX, and XXXX of 2024, XXXX XXXX late payments were reported on my XXXX XXXX XXXX Comenity Bank ) account. During this time, I was enrolled in a debt management program ( DMP ) that was responsible for submitting monthly payments to my creditors, including Comenity Bank. 

Unfortunately, the DMP failed to make the required payments for three consecutive months. I was unaware of the missed payments until after they were reported to the credit bureaus. Once I became aware of the situation, I took immediate action by resuming direct control of my account and making the necessary payments. I have maintained a 100 % on-time payment history ever since. 

I have contacted Comenity Bank multiple times to request a goodwill removal of these late payments, explaining that they were caused by a third-party service failure and not by personal negligence. However, I have not received a resolution. 

These negative marks are having a serious impact on my credit score, despite my efforts to correct the issue and stay on track since. I am respectfully requesting that Comenity Bank reconsider this matter and remove or modify the late payment entries as a goodwill gesture.

Company response to consumer: Closed with explanation