vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2025 Equifax P.O. XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Negative Accounts Due to Data Breach Dear Equifax, I am writing to formally dispute the negative accounts listed on my credit report due to a recent data breach involving XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. My name is XXXX XXXX, and my Social Security XXXX is XXXX. 

Due to the nature of this data breach, I am requesting that all negative accounts associated with my credit report be removed within three days as stated under Section 605B of the Fair Credit Reporting Act. I believe that these negative accounts are a result of fraudulent activity stemming from this breach, and I have taken steps to secure my personal information. 

I kindly ask for your prompt attention to this matter and the necessary action to rectify my credit report. Please confirm the removal of these negative accounts and provide me with an updated copy of my credit report. 


I discovered that my credit report contains an account that I did not open.. This inaccurate information has negatively impacted my credit score and ability to secure loans. I am requesting a thorough investigation into this matter and correction of my credit report immediately. I contacted the Equifax and the agent wasnt knowledgeable about Section 605B Feel free to adjust the wording to match your experience! 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: GFS II, LLC
State: MD

Complaint narrative:
I need proof of holding in due course and that they have legal right to enforce the debt obligation due to securitization proof of XXXX on a XXXX to prove perfection of interest. dealership falsified paperwork so XXXX exercising my right of rescission and recoupment of down payment and all funds paid and release of XXXX. The need for the down payment is not in the contract as a requirement but i was told i had to make a down payment and it is not a contractual requirement i agreed to. i need proof of perfected security interest with a copy of the ucc they filed for the lien on the vehicle since i have searched for it online on va website ucc 11 search. i paid {$500.00} down payment the receipt says {$1000.00} and the contract says {$1300.00} proof of Consumer Fraud / Deceptive Trade Practice the dealership misrepresents the amount paid or owed, that can be prosecuted under your states Unfair and Deceptive Acts and Practices ( UDAP ) law. XXXX. Virginia Consumer Protection Act ( VCPA ) Va. Code 59.1-196 et seq.Federal Trade Commission Act ( 15 U.S.C. 45 ) for unfair or deceptive practices. Federal Trade Commission Act ( 15 U.S.C. 45 ) for unfair or deceptive practices. Common law Fraud or Intentional Misrepresentation. Unjust Enrichment. Contract Law Violations UCC Article 2 ( Sales ) UCC 1-3 UCC 2-201 ). Breach of contract false terms. Unjust enrichment or conversion. Va. Code 18.2-172 a. Code 18.2-178 TILA Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: PR

Complaint narrative:
I am submitting this complaint against Experian Information Solutions , Inc. for its failure to conduct a lawful and reasonable reinvestigation of disputed information in my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Additionally, Experian has improperly rejected my disputes by falsely asserting that they were submitted by an unauthorized third party. 
On XX/XX/year>, I submitted a written dispute to Experian via USPS Certified Mail ( tracking number : XXXX ), in which I contested the accuracy of certain personal information and account entries appearing on my credit report. In full compliance with Experians identity verification requirements, I enclosed the following documents : A copy of my valid government-issued identification ; A copy of my Social Security card ; and A recent lease agreement reflecting my current residential address. 


Despite the clear and legitimate nature of my dispute, on XX/XX/year>, I received a response from Experian stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This statement is factually incorrect. My dispute was submitted directly by me and included all documentation required to establish my identity and authority to initiate the requ

est. Experians refusal to investigate under the pretense of unauthorized submission is unfounded and constitutes a failure to comply with its statutory duties. Pursuant to 15 U.S.C. 1681i ( a ), Experian is legally obligated to conduct a
reasonable reinvestigation of disputed information within 30 days of receiving a consumers notice of dispute. By wrongfully dismissing my dispute without investigation, Experian has violated my rights under the FCRA. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action to ensure Experians compliance with federal law. I further request that Experian be directed to conduct a full and proper reinvestigation of the disputed information and provide written confirmation of the outcome.

Supporting documentation, including a copy of my original dispute and proof of delivery, is attached to this complaint. 
Thank you for your attention to this matter.

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 2025-04-29 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}

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 2025-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I mailed a certified dispute letter to XXXX XXXX XXXX  regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. 

The disputes included, but were not limited to : Incorrect late payment reporting, despite my account falling under protections requested through the CARES Act. 

Inaccurate balance owed and account status. 

Incorrect legal entity name being reported. 

Under the Fair Credit Reporting Act ( FCRA ), the furnisher had 30 days to respond and correct any inaccuracies. It has now been over 30 days, and XXXX XXXX XXXX has failed to respond or take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I mailed a certified dispute letter to XXXX XXXX XXXX  regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. 

The disputes included, but were not limited to : Incorrect late payment reporting, despite my account falling under protections requested through the CARES Act. 

Inaccurate balance owed and account status. 

Incorrect legal entity name being reported. 

Under the Fair Credit Reporting Act ( FCRA ), the furnisher had 30 days to respond and correct any inaccuracies. It has now been over 30 days, and XXXX XXXX XXXX has failed to respond or take corrective 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 explanation
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
Medical debt should not be reporting on my credit. I request it to be removed and it wasn't. 

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

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 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Re : Unauthorized Full Balance Withdrawal by Synchrony Car Care, Financial Hardship, and Delayed Refund On XX/XX/year>, Synchrony Car Care withdrew the entire balance of my account ( {$2900.00} ) not the minimum payment without my authorization. I never knowingly enrolled in a " Pay in Full '' autopay option. I expected to be charged only the minimum as I selected when I originally opened my account, and then subsequently when this happened previously for ~ $ XXXX. 

When I contacted Synchrony, they claimed that my account showed a " Pay in Full '' setting, but they have not provided any written evidence or confirmation email proving I selected that option. I never knowingly agreed to this. 

The full-balance withdrawal has put me in severe financial hardship, leaving me without the necessary funds to meet basic obligations like housing, utilities, and food. 

I asked for an emergency refund or expedited handling, but Synchrony said the best they can do is issue a paper check in 23 weeks. This delay is unacceptable given the harm caused by what I consider to be either a system error or improper authorization.

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 2025-04-29 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: IL

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

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I tried to change my phone number on the EXPERIAN account since it is one that I do not have access to anymore. The XXXX  denies me speaking to a representative and to instead look at the website for help. When I look at the website for help it tells me to call to get the help Im looking for. Essentially sending me in a loop with the Customer Service XXXX and website without ever letting me speak to a representative that can actually assist me with my issue. I have no way of logging into my EXPERIAN account although I have ALL the information such as SSN, email, DOB, and name. The fact that I can not access my personal account just because I do not have the old phone number is outrageous.

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 2025-04-29 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Re : Request for Removal of Unverifiable Debt from Credit Report- Dear Experian, Equifax and Transunion XXXX hope this letter finds you well. My name is XXXX and I am writing to formally request the removal of an unverifiable account that is currently reported on my credit file. I recently reviewed my credit report from XXXX, where a charge-off account from XXXX XXXX  XXXX XXXX, cap one-account XXXX, amex-account XXXX, sharn fcu- account XXXX and XXXX were listed. Upon investigation, XXXX completed the dispute process, and the account was fully deleted in compliance with consumer protection laws. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since XXXX has removed tese accounts from my credit report, and the information provided by was deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this unverifiable information from my credit file. 
Furthermore, as the account has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this account under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported.

I respectfully request that you remove this unverifiable charge-off from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer.

Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable debt is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. 
I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
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 2025-04-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Balance - {$880.00} Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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